What to do when parents can't...

<p>Pay.</p>

<p>I'm in the group of people who have "too much money" to get financial aid other than the stupid Parent Plus Loan.</p>

<p>Yet, my parents really don't have the kind of money to pay this off. It would be a huge burden.</p>

<p>Any suggestions?
How can I take on a loan instead?</p>

<p>Also,
How do we make our payments? Who do we pay? How do we get a promissory note? I'm so confused.</p>