The federal Stafford and direct loans mentioned have annual maximums based on class year. These amounts often don't cover the most basic on-campus costs and may be partially disbursed during each term of enrollment, leaving significant gaps between costs and resources. An additional amount of unsubsidized Stafford loan may be available for independent students. Sources of assistance other than the federal government should be researched and used. The student's state of residence may have a program of its own.
Some colleges have private funds that can be used.
Civic organizations such as Rotary, CIEE and other organizations or companies are options that should be explored. International Education advisors and financial aid officers working together to understand each other's programs and requirements can facilitate preparing appropriate budgets, completing consortium agreements, advising students thoroughly, and providing needed resources in a timely manner.