How does it work? My daughter got a small swim scholarship to a college, plus other state funded grants, scholarships. Well, it only paid for half of the tuition so now we must come up with 12000.00 more. OMG it really hurts being middle income because we make too much for a good financial aid help(only got 1250.00), and for her to get a pell grant. I have a small settlement that was supposed to come in June 5500-6500 that I was going to use to pay part of it. Then since we have a chapter 13 on our credit(long story, DH is disabled from Lightning strike) we will probably not be able to get a parent plus loan, but on a lighter note our DD will be able to get a 4000.00 loan on her own because of it. This leaves us with about 1200.00 which we can come up with that. BUT...My settlement hasn't come in and they haven't returned my call yet, and it's getting so close til college starts(one month). I am getting so stressed out over this because I don't want it to come time to move in and my DD not get to because tuition isn't paid. She would literally be crushed as she has hopes of majoring in science with predental, she is planning on becoming an orthodontist. And this was the only college from what we looked at that had a swim team AND offered her a scholarship. We even make too much to be accepted at the free college in our state which was her second choice but no swim team there. Grades were not a problem (A-B student), just a lot of competition for the scholarships she applied for. She even had three teachers from HS and her college swim coach recommend her for the schools academic program, but they said they were only able to give 10 out of the normal 15 this year. So that was a no go. How in the world do people do it? Are there secret tricks we haven't heard/learned about?