<p>Do you belong to a credit union - that might be a source for you (or your student). If it’s not a ton of $$ maybe the student can find a summer job. We know young man who took a third shift factory job each summer with premium shift pay and was able to knock out a substantial amount of money each summer. Many kids will struggle with more than the federal direct loan paybacks if they max out the federal loans. Is the student almost done with college or is this a multi-year shortage?</p>