<p>@emeraldkity4
MY income is less than $5k, and that’s because I’m only working over the summer. That would go up if I graduated and continued at my current job. My household income is much higher (around the $100k range), but my parents have no savings and a high debt load themselves, so there isn’t any money for me. I don’t know how I could spend my time reducing costs. What do you mean exactly? I’m a junior this coming semester and my school ran out of work study, so not many got that opportunity unfortunately. 
On the RA matter, I’m not sure, but I am a transfer student so I don’t know if I am even eligible to be an RA (and the positions are surely taken by now).</p>
<p>@juillet
I skimmed the websites of the lenders and didn’t see any information at all. My school’s website actually listed disclosures from a few of them, but those were very basic. It looked like the only way to get information I’m looking for was to go through the process of getting the loan (by making an appointment with a rep). Here’s an example of a website I looked at:
[Private</a> Loan Options for Undergraduate and Graduate Students - Apply Online for a Private Student Loan from Edamerica - Edamerica](<a href=“http://www.edamerica.net/applyforaloan/privatestudentloans.aspx]Private”>http://www.edamerica.net/applyforaloan/privatestudentloans.aspx)</p>
<p>Edit:
@mom2collegekids
As far as I know, I have the max allowed for me. That’s what was awarded to me in my financial aid summary from every school I applied to.</p>