Federal PLUS loan
Another loan option to consider is a Federal PLUS loan.
You’re basically borrowing from Uncle Sam and can borrow up to the total amount it costs for your child to go to school (less any financial aid from other sources… like that FASFA!).
The hitch here is that any serious negatives on your credit history could mean you’ll need someone to co-sign the loan.
To look at a PLUS loan, start at Direct.ed.gov.