Most national lenders offer private student loans (Well Fargo, WaMu, Chas, Citi, etc.) Keep in mind that these programs are money-makers for the lenders. They are not charitable pursuits that are designed to help anyone who is struggling. Eligibility depends strictly on credit worthiness and consideration of the existing income-to-debt ratio. If you and your son haven't filed a FAFSA, so do. You may not be eligible for a subsidized student loan, but you may be able to secure an unsubsidized loan, which is much better terms and rates than private borrowing. www.fafsa.ed.gov