Not the best idea... but it's an idea
I may get heat from some people for even suggesting this, but the LAST option can be private student loans. Since you need $10,000 the monthly payment for the next 15 years (I think) would be about $200 a month (I think). I had to take out one because push came to shove. You can check Next Student for private student loan providers. REMEMBER: These loans CANNOT be forgiven under any condition, even in Bankruptcy...so if you do take one out, just know that it will need to get paid off come he** or high water... or the government will garnish your wage. GOOD LUCK with your education!