I start CRNA school in August. I've already filled out my FAFSA in the beginning of the year (I have to update when I do my taxes). I got some notice back saying my EFC is 1558. I have no idea what that means. When I called the university, they said the FAFSA's wouldn't be downloaded until Feb. and I can expect to hear from them in march. Do I have to wait to hear from the school before I can apply for a private student loan? Any recommendations for which lending institutions to use? The only two giving private loans that I have found is WellsFargo and Chase.

P.S. My credit isn't that great, am I doomed?