I've seen some things on here regarding student loans being a scam or whatever, but here is the thing. If you went through your school's financial aid department you should be okay. The reason I say this is because you will have to submit a FAFSA and then you will be offered things several options including both Grants (which you want) and Loans (which you don't want) and possible Scholarships (which you definitely want) from both State and Gov and School. In fact you may qualify for things you didn't even know you could get like the S.M.A.R.T. grant which I personally got for being a double minority studying science. Even if you don't (somehow) qualify for that - you still shouldn't go with Sallie Mae because there are private companies you can go to instead that if worse comes to worse you can loose via bankruptcy. Bankruptcy does not work on Sallie Mae. She will follow you to the grave if need be and then some. Go to Discover, go to Capitalone, go just about anywhere but Sallie Mae. But before all that try your best to qualify for a loan through the Dept of Education. It's honestly you're best bet if you have no other way to pay for school. They will work with you and there are many programs to help you through hard times. Just avoid Sallie Mae.