Okay, I thought I had a handle on these things, but now I'm just confused.
I applied to grad school. Got accepted and declined my acceptance due to having accepted an overseas teaching job. In June, the teaching job fell through, so I reopened my acceptance to the school. They lined everything up for me to still start this fall. So I applied for financial aid and got everything settled.
I have a subsidized loan, an unsubsidized loan, and a graduate plus loan. I received notification today, 2 weeks before school starts, that the Grad Plus loan was declined. This doesn't come as a huge shock, as I declared Chapter 7 Bankruptcy last August. However, I was told I could appeal. So, I appealed. I was told that a bankruptcy within 5 years has no appeal - there is nothing they could do and I should talk to my financial aid department. So I went in to the financial aid department. They told me I should appeal the direct loans again, or apply for a private loan. Direct Loans told me again there was nothing they could do, and to go back to financial aid.
I feel like a "Go ask your mother, go ask your father" game is going on. I'm a 28 year old graduate student that has a Chapter 7 Bankruptcy within the past year that is starting grad school in 2 weeks. I have my tuition covered, but I'm nervous to sign leases and get settled if I don't have this last loan in place. A Cosigner is not an option.