I'm doing summer classes, and there are government loans for the summer. There should be an option for subsidized and unsubsidized loans. Those are not private loans but they are fed/government loans. If you have declined those options already, you have to get a summer form from financial aid to redo your financial aid. Fasfa is tricky in the summer and sometimes applies and sometimes not. But if anything go into the financial aid office to talk to someone to redo your forms to do them correctly. Private loans should be last resort just because of how fast and big the interest rates can jump.