daynee - I found another company that does loans over the COAhttp://www.loans4students.org/Loans/AcademicEdge/Overview.asp?CMP=IL17911
Again you will be dealing with higher interest rates and fees, but it's still lower than a credit card. The rates are based on your credit.
Just spoke with someone there and they require decent credit history and 2 years of previous work experience (full or part-time in any field). you do not have to continue working while in school and he also said you don't need proof of enrollment so you may be able to get money before schools starts - to help with the move. That's my main concern - since I'm moving to CA I anticipate quite a bit of expense in moving and getting an apartment.
I'm in Richmond - went to UR for undergrad. Are you from VA?