In terms of federal student loans, as a dependent student, you'll only be able to borrow $5,500. That will increase to $6,500 as a sophomore and $7.500 as a junior and senior. Since that won't cover your bill, you would then apply for a private student loan. These are credit based, and it's rare for a student to have a long enough credit history to borrow much on their own. Nearly all college age students need a co-signer. If your parents (or someone else) are willing to do that, then you should be able to borrow up to your entire Cost of Attendance, provided their credit is strong enough to meet the lender's requirements for the amount you want to borrow.