<prompt> Human: I am not able to really financially help her with what she still owes about 4,500 per semester. In fact I have poor credit and cannot even cosign a personal loan for her. Im not sure why the school would not cover all the costs through a federal loan but I really do not want to see her need a private loan at a higher interest rate. I never went to college so be both are learning this process as we go. She went to the financial aid office already and asked to be reviewed for additional loans or an increase in the approved amount to no avail. My question is, what if anything can I do to make them reconsider? If I can at all? She did receive Pell, and other grants and scholarships but this is not enough to cover the entire cost. Like I stated before, I do not wish to see her in debt at such a young age. Some debt is fine of course but I REALLY do not want to go the private loan route. Help please. Any advise is great appreciated.  <response>: Taking on this much debt to earn a degree in journalism and English is not wise. If she earned a Pell grant alongside scholarships, she should be going to a school that is covered by that free money. When I was deciding between schools, I really wanted to go to a school in California. My parents sat me down, helped me calculate the amount of debt I would graduate with, and estimate how long it would take to pay that off. I went to a school with in-state tuition and it was a great decision. There are several options including getting a better more lucrative degree, going to a cheaper 4-year school, going to community college and transferring at the 2-year mark. Attending this crazy expensive school and taking out loans is not a good option. 