39K for 2 years, what college or university are you going to?

Oh yeah, check with your university financial aid office. They should have all the information you need on getting loans, grands, and or scholarships. But its kinda late now if you want to apply for scholarship. The best thing you could do is to study hard, and be on the dean list for 3 consecutive semesters. The school will grand you a couple of thousand a semester or year depending on the university you're attending. Getting scholarships while you are in college is very hard...so good luck with that!!

Tip if you're just getting started: DO NOT TAKE HARD CLASSES!!! YOUR FIRST YEAR IN COLLEGE SHOULD BE THE YEAR FOR YOU TO BUILD A STABLE HIGH GPA!!!! I took a bunch of science classes and it was tough....