<p>"I screwed myself during the first semester, and I have no way of paying out of pocket since I won’t be able to get any financial aid "</p>
<p>THIS is the reason, you need to take off some time. You will have to pay for some courses to get yourself back up to snuff before you can start up again. So, you don’t have a whole lot of choice here. You aren’t going to be able to borrow money without a cosigner privately, and until you are out of academic trouble, you don’t get access to federal funds.</p>