Apply for federal financial aid. Go to the Free Application for Federal Student Aid (FAFSA) website and apply online. This one form covers a variety of sources for aid including student loans, work-study, college-based aid and state scholarships by program. A paper FAFSA also can be used, but be advised that it will take longer to be approved.
Search and apply for scholarships in the student's course of study. Scholarships are available in programs such as nursing, education, health sciences and business administration. Certain groups are eligible for special scholarships, such as grants for single mothers, minorities or those with disabilities.
Apply for military aid. The Montgomery GI Bill provides educational funding for families of veterans and those pursuing a military career.
Look for other sources of funding such as church or community agencies. Some employers offer tuition reimbursement for programs that are work-related. Writing off some of that debt helps in the end.
Apply for private loans. Private loans obtained through credit unions often offer lower interest rates.