"Still haven't nailed down your student loans for the coming semester? Worried about your chances of getting money amid reports that student loans have dried up? Fear not," Kiplinger reports. "Federal loans, the best and by far the most prevalent student loans, are still available. As for private loans, which make up a relatively small part of the student-loan universe, students with good credit or a creditworthy cosigner can still get those, too. But expect to pay higher fees and interest rates than in past years. Here's the skinny."