Simple Solution...
If you can't pay for college out of pocket or through full-ride scholarships, then... DON'T GO!!!
Do everyone a favor and stop ruining college for people who can afford it. All you are doing by going to college using loans is the following:
1) Ruining your financial life
2) Jacking up the cost of an education for everyone else
3) Ripping off the US tax payer (tax payer rape?)
...and considering you were unable to get an academic scholarship...
4) Forcing college professors to dumb down the course work for dummies like you.
People who take out student loans basically ruin college for everyone else. If you have student loan debt, PLEASE don't reproduce. You've done enough damage.
For everyone else: Consider joining the fight to make Income-Based Repayment (IBR), Pay As You Earn, and Public Service Loan Forgiveness illegal. They are nothing more than a voter-grab by Obama and constitute an illegal miss-allocation of tax payer dollars. Don't believe me? Here is the link that shows exactly what I am talking about:
https://studentaid.ed.gov/repay-loans/understand/plans/income-driven
Instead of rightfully putting the student loan borrower in prison, they shackle the tax payer.