Kim Clark, senior writer for U.S. News & World Report, used loans, scholarships, grants, fellowships, savings, earnings, and generous contributions from her family (thanks, Mom, Dad, Grandpa and Grandma!) to fund study at four different universities. She even managed to graduate from two of them. She’s been researching and writing about the best ways to raise college cash for five years. If you’re panicked about paying for college, e-mail questions to firstname.lastname@example.org.