I took out private loans. I had one more year of federal loans eligible which I used this past year. This coming year is all private loans. I was single at the time I decided to do this so I paid off my car and my credit card debt before I quit my job. Then I also happened to get married this past year so I have my husband to help me pay the bills. I plan on doing a masters program which will allow me more financial aid after this year. So loans, loans, and more loans. I'm trying to get into my state medical school which is cheaper than most.