I had no problem getting whatever I needed through alternative loans. I even had my childcare expenses worked in with actual numbers. (They budgeted $2400 for the year for 2 kids. 😮 ) I don’t know if we’ll take the daycare money this year, but it’s nice to know it’s there. Make sure you talk to your financial aid office to reiterate that you’re not a single, right out of college kid because they may adjust your aid package accordingly.