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Hey guys,

I really need some advice on getting loans over the cost of attendance.

I decided to go to UGA law given the extremely low in-state tuition compared to private law schools but after calculating everything I have figured my expenses (including previous credit card debt, etc) will be about 5-8k pass the COA for the school. Is there any way to get financial aid over the cost of attendance or am I just SOL.

yes you can ask the financial aid office to increase your COA and get more loans. they probably have a form for this.

COA is just a general guideline for the average student. Every school has a policy for adjusting COA but schools vary on what expenses they consider valid reason for adjustment. For example your local COL (rent, utils) and car expenses (if you need a car) are acceptable reasons for adjustment but CC debt is not AFAIK. It wouldn't hurt to ask them though or at least look up the policy.

Thanks... this makes me feel a little better about it all

There are private student loans too, but I would avoid them if possible