OK, let's say you're not the early-riser, go-getter type and don't want to spend weeks applying for all 500,000 scholarships on the Internet. Maybe you'd rather just get a loan. Better yet, maybe you could just convince your parents to get a loan.

We've got your back there too, my motivationally challenged friend. Look no further and find sources for additional student loans, and lots of expert articles about why you should or shouldn't sign on the dotted line.