<prompt> Human: I wasnt sure where to post this, so I hope this is the right place for something like this.Im currently a senior in college and now have no clue how to pay for school. I took out a Parent PLUS Loan for the first two years but were denied for both junior and senior years due to financial troubles. The school increased financial aid for my junior year but didnt do the same this year. Ive also applied for scholarships to no avail.Where can I take out a loan that wont kill me as bad financially after I graduate? I dont want to take out a private loan from a bank.  <response>: Financial aid counselor here.First things first: if you have not yet done so, file your FAFSA so that you can be considered for the Direct Subsidized and Unsubsidized Loans. These are not credit-based loans, so as long as you meet basic eligibility criteria such as being a legal residentcitizen of the US, not having a previous federal loan default, not having hit aggregate maximums you will be able to receive them. The total SubsidizedUnsubsidized amount for undergraduate fourth-year students is 7,500.Second, if you have already filed your FAFSA and have been awarded either of these loans, you may be eligible for an additional amount of Unsubsidized Loan since your parents were credit declined for the Parent PLUS Loan. You need to speak to your schools financial aid counselor about this.Your parents may be able to appealendorse the decision made on their Parent PLUS Loan, so I would also suggest that they speak to Direct Loans with any questions. Direct Loans recently upped the credit requirements for Parent PLUSGrad PLUS Loans, so more and more people are being credit declined for smaller and smaller reasons. I have had a number of students this year be successful at appealing their PLUS decisions, so your parents may be able to reverse the denial. 