<prompt> Human: Right now Im in a good position to pay the sum off. Im living back home with my parents and make around 800 a month, so I can put at least 450 towards the tuition. How should I approach this?Credit Card route:The thing is, if I go the credit card route, I would need to figure out a way to get a higher ceiling on my credit card. Right now my max is 3000. Is it possible I can get the bank to raise it to 5000? Im a 25 year old male with good credit. Ive been employed and paying my bills on time for eight years now.Bank Loan route:I have a Wells Fargo account and would get a 5000 loan. I dont have a cosigner available. How much is that going to hurt my chances of getting the loan I want? As stated above, my credit and employment history is pretty good.Edit: I currently dont qualify for FAFSA, for those wondering.  <response>: Loan. Also, your gender is irrelevant. Have you filled out FASFA? 