This is my second round of college. I got an Associates, worked a bit, then went back for my BFA. I have applied for FAFSA, I am maxed on my staffords (not just per year but COMPLETELY maxed at $45,000 from both schools combined) I received a Pell Grant, but I still owe $10,000 for my last year of school. I have no cosigner, and my credit report shows one charged off account. I work fulltime and go to class fulltime, but I cannot afford to pay $1300 a month toward tuition, especially considering cost of rent in Chicago. I apply for every scholarship I can on fastweb and have only received one in the past 7 years. Does anyone have any advice or am I just wasting my time trying to finish my last year of school? Please don’t suggest Sallie Mae, they have denied me even when my credit was stellar. Every place I have tried tells me that the amount I already have out in student loans over-extends my credit. Any serious suggestions would be greatly appreciated.