How could I get more financial aid for college?

My situation: I am graduating from college in December 2006. For the past 3.5 years I have paid for college by myself with absoluutly no assistance from my parents. All loans were in my name only. My parents went bankrupt about a year and a half ago, and my total college bills will be around $65k. I know there are tons of kids at my school that go there for almost nothing... I was wondering since I was 22 years old, and the emancipated minor process probably won't work; was there anything else my parents could claim for me? I pay all expenses myself as well as college. If the answer is too long, could someone supply their email or screen name so I could talk to them more in depth? Im desperate here... Someone help if you can. Thanks

You need to start by completing a FAFSA (Free Application for Federal Student Aid). Because you are under 25, you will include your parents' tax information from 2005 as well as your own. Since they went bankrupt, they probably did not earn a whole lot last year.

The amount you and your parents are expected to contribute to your education is determined by the information provided on the FAFSA. The Expected Family Contribution (EFC) is given on the Student Aid Report (SAR). The EFC is more or less a dollar amount; so the lower the number, the less you are expected to contribute. If your EFC is 0 (zero), then you are not expected to contribute anything toward your educational expenses.

The amount of need-based financial aid (Unmet Need) you are eligible for is determined by the Cost of Attendance minus your Expected Family Contribution. The Cost of Attendance is published annually by your college or university. It includes both real and anticipated (made up) dollar amounts based on enrollment status and housing. So, if the Cost of Attendance at your college is $14,562 and your EFC is 0, then you are eligible for $14,562 in need-based aid. Need-based aid includes grants, federal student loans, and federal work-study. Some scholarships are need-based and some are not.

The federal government has several student loan programs. The most common is the Stafford which can be either subsidized or unsubsidized. The Stafford loans are made directly to the student. Another program is the PLUS loan which is made to the parents of the student. The federal government has guidelines for how much a student can borrow and your college may have further restrictions. So, although you may have Unmet Need, you (the dependent student) may not be eligible to borrow for it. Your college may require your parents to contribute or borrow for it.

If your parents are ineligible (or unwilling) to borrow on a PLUS loan, you (the student) may be eligible to borrow the money through the Stafford loan program (unsubsidized).

http://www.daylon.com/scholarship/

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