Jellybeanchick is right - welcome to the world of 2008 college financing.
Once upon a time, not all that long ago, there was a robust market for what are known as "private" or "alternative" loans. These loans were offered by a fairly substantial number of large, well-known lenders - and a few subsidiaries of large well-known lenders that focused exclusively on student loans.
Those loans weren't necessarily the best option, because the interest rates were high and variable, and that created a very significant risk that the prevailing interest rate on these loans could skyrocket by the time the loans were repaid. Many students borrowed far more than they could reasonably afford to repay, and then came here, wanting to know what to do about their $86,000 balance with the 12% interest, and the $1800 monthly payments.
Sadly, it's unlikely that you'll even face that temptation, because the worldwide lending and credit crisis has pretty much eviscerated the educational lending market. Many of the largest players have left the industry completely - some shutting their doors forever. The largest bank in the US, Bank of America, is making NO private educational loans whatsoever at the moment. Visit the website of another major player "Campus Door", and you'll be greeted by a dire warning that you shouldn't really expect to qualify for a loan at this time.
The reality is - and I hate to say this - that students can not afford a $25,000 school right now - unless they have about $20,000 of their own funds to contribute. You can rely on the $5500-7500 that is available from the federal government's Stafford loan program - and that's about it. Even with "good credit", you are going to experience a frustrating struggle getting any legitimate lender to give you $20,000 for school.
What student applicants tend to forget - in their hope of paying for an expensive school - is that educational loans are high risk loans. If you were applying for a business loan or a mortgage loan, you would have to demonstrate to the lender that you had the current income to repay the loan. You would also be required to provide some form of collateral - something of value that the bank could retain a security interest in, if you weren't able to pay. A student loan is a loan of several thousand dollars made to a (usually) unemployed young man or woman, usually with a meager credit history - asking the bank to please trust that they'll really truly pay it back. And they very well may - IF they graduate - IF they get a good job - and IF they manage their other financial responsibilities well enough to pay all of their monthly obligations out of the available income.
Banks are not making that type of loan right now. I wish you the very best of luck - and I strongly caution you to limit your search to legitimate, well-known lenders, and not be pressured into taking a chance with some fly-by-night fraud outfit.
I'm sorry that the news is not more encouraging.