No parent savings and average AGI, no out of state?

<p>P.S. After further reading tonight, I came up with a few other ideas, but don’t know if they’re a real possibility.</p>

<p>I’m worried there will be a gap between COA and our ability to pay the remainder. </p>

<p>Since this will be my freshman year, IF my FAFSA comes back showing no need, can I still take out the full $5,500 as UNsubsidized? </p>

<p>Can my parents apply for Parent PLUS loans and defer payments in whole or in part?</p>