EFC over $70,000 and I might be screwed

If you are a US citizen or legal permanent resident alien, or if you fall into certain other immigration categories such as asylee, you can file the FAFSA and then have access to the standard federal student loans. If you have junior or senior status, you can borrow $7,500 each year.

However, qualifying for student loans can also be affected by SAP (Satisfactory Academic Progress). If you have failed or dropped too many classes, your access to federal aid can be cut off. So do have a conversation with the financial aid office about that to find out if that is why you were told you couldn’t borrow a student loan.

How much money do you need to finish up your degree?

Can you get a job now with the computer skills that you have? That way you could work while you study to help cover your costs. Even better if you can land a job at your university that comes with tuition benefits that pay for a class or two each semester.