Apply for federal loans via the Free Application for Federal Student Aid (FAFSA). The Federal Stafford Loan is your best bet when it comes to student loans. You will not have to repay anything until after graduation, and at low interest. Simply include your completed FAFSA with your college applications. The amount of your loan will depend upon family income and college cost. This form also makes you eligible for federal grant money.
Ask a parent to co-sign your loan. If you need to apply for private loans, a co-signer will guarantee acceptance. This person--usually a parent--agrees to assume the loan if you default. Often, the lender will release the co-signer after receiving 36 consecutive timely payments.
Apply for interest-only private student loans. When you need to get a private student loan because your financial aid package doesn't fully cover your need, you may have to start repaying that loan while still in school, probably requiring that you get a job. Fortunately, some student loans--such as the Sallie Mae "Smart Option Student Loan"--allow you to pay only the interest while still in school. Because this is such a low payment, you may be able to take on this type of loan without employment, assuming you have savings.