I think your next step should be to contact the financial aid representative at your COP. You can only borrow up to your school's cost of attendance from the federal government. Which is calculated using projected tuition and fees + 8 months worth of living expences (You are expected to be able to employ yourself during the summer). To increase this amount, I am fairly certain that documentation of childcare expenses must be submited by the College. Otherwise, you can apply for credit-based private loans at a massive interest rate.