I'm in somewhat of an odd situation w.r.t. my college tuition payments. My school bills me half of the annual tuition amount before every semester. However, my college funds are in an annunity that pays out annually over 5 years. So, the annual payments from the annuity are less than the years tuition bill, but the total of the five payments more than cover the cost.
So, each year I've borrowed for second semester, and paid off when the annuity pays out each summer. Obviously, I've had to borrow more every semester, but it was within the reach of family credit lines, and a student loan last year.
Now though, I'm facing a bill for pretty much $20k come next semester. It's possible to do a private student loan, but paying $650 in interest + more in fees doesn't really appeal to me.
Which brings me to my question: For 21 y/o college student with good credit and a totally assured ability to pay, what's the best possible way to borrow $20,000 for 6 months?