I have a question about the private loans that do not have to get certified by the school. I feel like I have a good understanding of the financial aid process...get the stafford & grad plus thru the school-- but will need a private loan also- while I still have a job, right? But what about the private loan that I may need next year when I don't have a job? Will I still be able to get one then? My husband will be a co-signer, but there really isn't anyone else we can ask, & we have excellent credit.... anyone go through this?