The problem is that students must be enrolled at least half time to borrow a federal loan. If the student withdrew, there is no enrollment. The OP is stuck ... no fall enrollment, so no loan ... no spring enrollment without paying the prior balance.
Did all of your loans get returned when you withdrew, leaving you to repay a refund? Or did you withdraw before you ever took out any loans? In the latter case, it is too late for a fall only loan once the term is over. Some schools will allow you to take out fall loans now, though, if you declare your intent to register for spring (because you WILL be taking a fall & spring loan, not a fall only loan). School policies vary, though, so you will have to cover a prior balance for a term in which you withdrew from classes.
You MIGHT be able to get a private loan ... go to finaid.org & start calling some of the lenders. Explain your situation & they will tell you whether or not they will lend given the circumstances.
Last edited by kelsmom; 01-14-2010 at 10:33 PM.