A couple of weeks ago, I made arrangements for payment of my fall semester costs. I was able to get some federal financial aid to cover these costs. Other costs of living are going to be addressed through work and scholarships. What caught my eye on the college aid website was that the icon and link for private loans were completely grayed-out, meaning that private loans were unavailable for anyone searching for funding. Across the country, students are making similar arrangements for the financial needs of the coming academic year. Yet at many schools, undergraduate and graduate students are running into difficulties finding the necessary funding to pay the basic costs of college attendance. We're not talking about financing a night of hanging out. We're talking about paying for things such as books and lab fees. Usually, there are a number of ways to deal with these costs but recently, those avenues have become fewer and more difficult to navigate.