<p>yea ok, i was enjoying summer too much, and i realized that my financial aid forms were due two days ago. i can go on with excuses, and i'm sure there are posters out here who can go on with their scolding, but i just need quick help. in my college, there are only three payment options: full, monthly, or electronically deducted monthly payments. my family can't afford the smallest of increments, and i called the financial aid office too late, so its now closed. i know i need loans, but which option am i supposed to choose? i mean, we can't afford any of them. should i just choose the monthly, and clarify later that i need loans? i'm hoping to get some kind of answer within the next few hours or so... pleaaase.. but thanks anyway</p>
<p>Talk to the financial aid office tomorrow. My guess is that you still have a chance to get the payment plan that you need.</p>
<p>Do the loans, with 15 year payments. That would give you the smallest amount to pay on a monthly basis. Ask school which lenders they recommend, it's probably on their website.</p>
<p>What do you mean "clarify later that I need loans?" You should have received your financial aid award info already and know if you got any loans.</p>