<p>Unfortunately, not many at this late date. Call financial aid and work on an appeal. If there has been some sort of change in you or your family’s circumstances in the past year that the FAFSA didn’t indicate you’ll have a better shot.</p>
<p>If VT is the least expensive of your options then I would suggest looking at community college for a year or two and transferring to a four-year school to finish your degree. Taking out 120k in loans for an undergraduate degree at ANY school is insane; even half that amount is a scary prospect in this economy. </p>
<p>A good guide regarding how much to borrow is to keep your monthly loan payments to 10% or less of your post-grad income (pre-tax), so take a look at what new grads in your field of study make per year and work from that. A student loan calculator like this one [FinAid</a> | Calculators | Loan Calculator](<a href=“Your Guide for College Financial Aid - Finaid”>Loan Payment Calculator - Finaid) will help.</p>
<p>Good luck.</p>