Hi, my name is Phillip Riggins. I'm currently studying a Master of Accounting Program at Fordham University. After this spring semester, I will only need to complete one class in the summer to acquire my diploma. Unfortunately, I can't take out a federal loan for it because I'm not registered for enough credits to qualify. So, my options are to either apply for a private loan or register for more classes than I need, thereby taking on more federal loans than I need. I'm already about $50,000 in debt for this program, so I would like to avoid taking on any more debt for this degree than I have to, on top of covering my monthly expenses. I've been unemployed since May 2025, so I could study full-time. Both of my parents are deceased (2019 and 2025, respectively), so I don't have any family who can help cover this expense. I have until May 13th to pay this off. Any little bit helps. Thank you in advance.