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Advice on how to get student loans for Medschool

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Hello All!

I find myself in a most unfortunate situation. I was accepted to Ross University School of Medicine with the condition of successfully completing MERP. I have the necessary funding for the tuition, housing, and food but I suddenly realize I have another obstacle to overcome: where do I get $10000+ a semester to pay for Ross.

Reading Ross's financial planning document, they state that federal loans are capped at $10000 a semester. The cost of attendance is close to $22000 per semester; I would have to borrow $12000 from a lender.

My co-signer wouldn't qualify since he/she already signed for my siblings - 1 is currently finishing residency and owing $280000, and another owing $60000 and dropped out. Additionally my co-signer is retired.

What would you do?

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