I have the same problem! I finally gave in and applied for the REsidency and Relocation loan. There are a bunch of companies but I chose Citibank because there are no loan fees. Other companies have lower interest, so if you know you'll take a while to pay it back, you may prefer to take the loan fees instead. You can apply online (look up citibank.com and student loans). I applied 2 weeks ago, and was approved quickly, but am still waiting for the money. They had to get a letter from school saying I'm enrolled and applying. It's up to $12,000, and can be paid back over up to 25 yrs. Interest rate at citibank was 4.5%.