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Certificate programs don't qualify for conventional student aid fianancing as you've found out. There are, however, alternative financing arrangements available through places like Wells Fargo and Discover. I've no idea about the rates, but I'm familiar with these organizations as I'm considering a program through Penn State myself. In any case, if my, "alternative" is to finance via credit card or through a local payday loan-type institution, I won't be doing any further matriculation or will look instead at a more conventional graduate program that'll take more time but allows access to traditional funding.
You'd have to get a private loan. A FA officer at the school you are going to get your certificate could point you in the right direction.
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