2. Divide and conquer
Divide up the amount still owed by where the money is going to come from: current income, savings, work and/or work study, and borrowing.
Also look into monthly payment plans offered by many colleges, advises Jessica Belt of MEFA. With these, you don't have to foot the whole semester's tuition bill up front, but can space it out over 8, 10, or even 12 months, without any additional interest added to the amount owed. Contact your schools financial aid office to see what monthly payment plan options they offer, says Belt.
Click here for more info on monthly payment plans.