I am taking student loan for my daughter. She is studying at a private university, tuition, food and house total together $58,000 per year. I take loan from "direct loan" (from government). For taking the loan, you need claim your tax as early as possible each year, and contact the school financial department, and go to direct loan or ask school. As I know public school will not count his father's income, you may get financial aid. Private school will count his father's income, you may don't get financial aid. Don't worry. USA has very good social security. You will solve the tuition issue with the help of student loan. If you need more information, let me know.