Outside of traditional financial aid loans, most banks offer private student loans to those families that require additional funds to compensate for a shortfall between Cost of Attendance and the amount of financial aid that was awarded.  The difference between private loans and financial aid loans is that the government does not guarantee the loans against default.
Private loans are available to both undergraduate and graduate students.  Unlike financial aid loans, which are granted based on the FAFSA application, private lenders typically have their own application process.

401kid has screened a select group of private lenders who offer competitive rates and convenient, online applications for student loans.  After students receive their Financial Aid Award (FAA) letters from the various schools, you may apply with a 401kid Preferred Private Lender Vendor for the balance of funds required.

Student Loan Consolidation
For graduates of college and graduate school who are carrying student loans, you should definitely consider consolidating those loans at a more favorable interest rate.  Many student loan providers offer this service.  401kid’s Preferred Student Loan Consolidation Vendor List gives graduates several quality options to choose from.