With credit drying up, where can you turn for student loans?

Puzzles are often fun, but not this one: With credit scores plunging and loans in short supply, how do you go about paying for college these days?

It's a question you'd think might almost be easy for Scott Gamm. Granted, in many ways, he's just another high school kid, about to turn 18 and headed to college this fall (New York University's Stern School of Business). But in many ways, he isn't a typical high school kid: He's the founder of HelpSaveMyDollars.com, a personal finance website that he began in July, 2009.