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Aside from Perkin's loans, your college may also authorize you to receive private student loan grants. Typically, you can apply for them if all of the monies given to you do not meet your calculated need.  Unfortunately, obtaining private student loans is not as easy as getting a Perkins loan. Among other things, your lender may check your credit.  If you have too many credit cards, or other debts, you may not be able to get the private loan.  In addition, you will find that private loans must be paid back  more quickly, and often carry a higher rate of interest.  Without a question, you should only take these loans if you cannot work, or find some other way to meet your tuition costs.