<prompt> Human: Looking for loans is frustrating!!!I received a 5,500yr unsubsidized federal loans for my first year in undergrad in Rutgers. I have around 9,000 I need to pay for my first semester after scholarships and my federal loans are accounted for.My parents want me to defer all my loan payments so I can focus on school, but I dont want interest to accrue too much! AAGGGHHI was thinking about an NJ Class loan 15 years paying only interest.How did you for pay for college?What loans did you choose to take out to pay for college?How do you plan to pay for your college tuition duringafter school?  <response>: I worked two jobs and paid for it with actual money. I took CLEP tests, first. Passing the CLEP gave me forty five units. I lived at home in the beginning, so low expenses. I started with a good community college, it is now called Miami Dade College. Once I CLEPPED, I only needed a few classes to get my A.A. After my A.A., I transferred to a four year college, for upper division. I was working the entire time. I wound up taking time off and moving to California. Once I lived there for a year, I became eligible for California residency which allowed me to save big bucks attending a STATE COLLEGE there. I just kept working. I saved a ton of money doing things this way. CLEP stands for The College a Level Examination Program. You can find it online. If you are willing to study, or are a know it all, already, you can CLEP. One other way to get some help is to see if the college you are looking into has a work-study program. Why only consider loans? 