<p>You can’t borrow more than fed loans without a cosigner because you can’t qualify. Also fed loans and ws are divided by semester so you and your parents need to split each semester otherwise you’ll be really short. Did you get 5500 in fed loans. Did you get work study. </p>
<p>If your parents do the entire first sem then you can reserve/ save your loans and work study for 2nd sem.</p>