<p>^The OP said he had accepted the max loans for this year…as a junior. My guess is that he did not need the max loans in years 1 and 2 and cannot access the full amount now.</p>
<p>OP, you may find better info by talking with your school about private lenders and asking for their suggestions. What’s best for your situation may not be what’s best for other people. One poster recently commented that her school was able to direct her to a lender that was willing to work with her although she had no cosigner and little income. Hopefully you will too.</p>