If your savings, grants, and scholarships still fall short of what you need to pay for school, you and your family should check out these college loan options:
Federal student loans from the U.S. Department of Education
Federal student loans — some available regardless of need — offer fixed interest rates and flexible repayment options. Your school's financial aid office will have information specific to your course of study or visit StudentAid.gov for more information.
Private student loans
Private student loans supplement federal loan programs. You can get these from your school or from private financial institutions.
Depending on the lender, private student loan (also known as personal or alternative student loans) terms can vary considerably based on your credit history and other factors.