Well since there has not been much constructive help here for you, i'll give it a shot. Private student loans, which do have a slightly higher interest rate, are what is called direct to consumer. This means, they are independent from your school or financial aid office. You just fill out the application, decide how much money you will need, and if approved, you get the check sent directly to you. It is not based on cost of education.
In most cases, there is a limit on the amount per year but most are fairly liberal, offering usually up to $40,000 per year. As far as payback goes, most offer some type of deferment until 4-6 months after graduation.
I would suggest a company called Think Financial, which i used in the past. Check them out at
www.thinkfinancial.com. But if you would like to compare the private loans that are out there, check out finaid.org. They have a chart which shows pretty much every loan out there. Good Luck with everything and I hope this helped.