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Awe, sweetie! There is always more than one way to skin a horse! These are NOT your only options. Have you looked into FAFSA? When my hubby was in school, he was on student loans. I had a GREAT job, we both had brand new cars, but FAFSA paid for his school. Just research ALL of your options before getting too upset. I promise you that there is SOMEONE out there who will give you a loan for school. Waaaaaaaaaay too many people do it for it to not be possible. Cheer up! Don't sit there and cry....put all of your energy into finding another place to get a loan, especially FAFSA.
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