I am transferring from an CC to a 4 year university (Nicholls State University or Louisiana Tech). At My CC, my pell grants covered everything and I know that will not be the case for when I transfer, I know I will have to use the subsidized and UN-subsizied loans. But what if that is not enough? I am 24 yrs old, and a first generation college student, so I am figuring things out as I go. I know I get the Maximum financial aid, when I logged in to Nicholls financial aid, they had a break down telling me that I will receive $9,848.00(pell grants and loans) per semester, for a total of $19,685.00. The problem that I see is that it says coat of total attendance is $24,428.00 and it says that I have a need of $4,733.00. I emailed and asked them what does need of $4,733.00, they reply with this "The Cost of Attendance aka the Budget is an estimated amount set by the federal government. This tells us that the amount of Federal aid offered in loans and grants can not exceed this amount. The Need would be the amount left after Budget, EFC and Aid Awarded are figured. These are what we call "Office Numbers". They are not actual costs. The cost for tuition and fees, housing, etc for the Fall 2019 semester have not been released yet. We anticipate this to be available sometime in July." This doesn't help me with my anxiety because what if the price of tuition goes up? Also my family can't help me pay for college, and even if I get a job, I will never be able to pay off the balance before semester ends (they won't let you register for classes if you owe a balance). I would like to have a plan in place incase my aid packages doesn't cover everything. Do I get a 3rd party loan? I will do not know if I will receive a scholarship until my they get my final transcript (which is in a couple of days). I will have to live on campus or get an off campus apartment because I do not live close to any of these colleges. any tips or advice is welcomed. thanks.