If you haven't saved enough money to pay for your education, don't lose hope. We'll show you public and private sources you can tap.

Despite the high cost of higher education, there are a number of places you might find funding. In this chapter, we examine federal and state loans and grants, programs or work at your school, education tax credits and community-service programs. We offer tips on positioning yourself for your best shot at financial aid or a scholarship. And finally we warn you about some common scams that catch victims every year.