<prompt> Human: Im needing some advice or creative thinking or downright help from reddit.Grew up in a very religious household. I started my education at BYU but just got accepted to Portland State and want to finish my education there starting in September.To do this, Im going to need student loans because the cost of living in Portland is HIGH. I need the loan to get myself started up there, and to give myself a little buffer so I can go to school, graduate with the grades I want and need for grad school, and do so without dying of stress.Im 21, so im not considered independent on my FAFSA. Unfortunately i have rich parents, so I didnt qualify for anything.So i decided to take out a private loan, but because Im 21, they require a cosigner. So I made the terrible awful mistake of contacting my dad. He immediately told me no, I left the church and I need to do things on my own but when i return home, hell be happy to help me in any way, and that he would be telling all my relatives they arent allowed to help me either.So, basically, I have no one to cosign my private student loan, and no matter how many times i run the numbers, I cant make ends meet without it. My grandma and great aunt both would have helped me, but they dont want to risk a family war, or being cut off from my little brother and sister which I truly understand and dont resent them for.Im out of ideas... no one in my life can sign this loan.  <response>: Unfortunately i have rich parents, so I didnt qualify for anything.I hate when people say this. Unsubsidized federal loans are not need-based and available to just about everyone. Assuming you are a third-year student based on your age, Im guessing you qualified for about 7,500 in unsubsidized federal loans. Its just not enough to cover all of your costs. Correct? 