First of all, I really commend you on your efforts to pursue your academic goals. I dont have direct answers to your questions. What I do have is a suggestion. Student loans! Don't hesitate to go up that alley. If you are serious about your education and at the same time very determined, loans (no matter how big they seem) can be paid off later with a proper job. College life is more than what you get in a classroom. Learn to explore all aspects of college life, and grow as a person in every aspects possible. So, I recommend student loans. You have goals set out, I think you are already half way there to being successful. Use the loans as the means to get there. Good luck