It depends on if you are still going to school. If you are still in school, then you can get a student loan and use it to pay off previous semester. But if you are not still in school, it might be harder. Check with your Financial Aid office where you went to school and see what they recommend. The people at my school have been really helpful and I ended up with a bigger financial aid package than I thought possible because they hooked me up with some programs I hadn't even heard of. Good luck!