I was in the exact same boat as you this past spring semester, because I missed the deadline to be accepted as an official "Post Bacc" student so I was considered a non-degree seeking student since I had a bachelor of science from a different university. If you're in a legit post-bacc program they are considered "certificate seeking" and you CAN get federal aid through FAFSA. If you're going the ad-hoc route or stuck in non-degree seeking student status then your only option is to go for a private loan, with unfortunately higher interest rates obviously. But you have to do what you have to do. I took a a private loan from CitiBank this past spring...there are other companies out there just search for 'private student loans' on google and do your homework to make sure you don't get a loan from a shady company. Good luck!
