<prompt> Human: Correction: I am not in debt and I live in the midwest small town in the middle of nowhere. Rent is very cheap here and my boyfriend and I dont have too many expenses. Sorry new to reddit :I have enough credits from college previously that I would only have to go to the one I want for two years online. It is private, and there arent any public institutions that offer online degrees that are of interest to me. The tuition for this one would be roughly 35000 for two years.The other online universities Ive looked into have mixed reviews. I would take suggestions.  <response>: If they wont take out PLUS loans, then that may be your only option. Private loans are typically discouraged, but may be available. Alternatively, you can get married and immediately get independent status. ;How much is your school tuition? Have you looked into community college? Its usually pretty affordable for working students and they tend to offer payment plans. If youre trying to go ivy league, thats a different story. Since youre already 22, youd be 24 by the time you finished a 2 year program at an inexpensive community college, then youd be able to transfer to a 4 year and qualify for fed loans. 