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23adam. FFELP is a good option i think. Many B-schools (US) will be able to assist you in getting these loans once you are admitted. The loan rates are pretty decent (based on LIBOR).

Most of the ppl who go to B-schools take a loan of some sort and go study. Another option would be to compromise on the school quality/location and get a higher scholarship. Also schools in NY are costlier than those in other cities. So location is also a factor.

I guess if you are really keen on getting into B-school then you should not let 'taking a loan' stop you. Loan is inevitable in most of the cases.

Cheers.

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