Okay, this is for the people who want to go to college and become a teacher. You want to find a way around having to pay for a huge loan. Apply for the Teaching Fellows loan. What they require is simple: You go to school, get you degree, but instead of paying off the loan in money, you agree to teach in a low income area or a needy subject (music majors, I'm especially talking to you). You work there for four years, and you don't have to worry about the loan. And if you want to find more teaching loans, I suggest Fastweb.com. Great scholarship site, and usually has the scholarship up online the day it is announced. Second to that, people don't realize how important their school counselors are at this moment. Talk to them about scholarships. There are always local businesses or clubs that have scholarships, especially rotary club or the masons. The scholarships may be small, but they still help.