Originally Answered: Student loan options?
The federal aid system is based on the premise that parents are responsible for paying for college to the best of their ability.. The purpose of the FAFSA isn't to determine support--it's to determine your parents ability to pay for college. So whether they actually support you or contribute to your college costs doesn't matter because the FAFSA is only trying to determine whether they have the ability to pay for college, not whether they actually do.
As you've discovered, federal student loans are limited by the student's grade level and dependency status. The school can't give you more because they are bound by federal regulations. If your parents are willing to apply for a federal parent PLUS loan, they can borrow up to your entire cost of attendance if they are approved for it. If they are not approved, then the school will increase your own unsubsidized loan by several thousand dollars, depending on your grade level. Your parent is not required to take the loan even if approved for it, so if you're on good terms with them, you might want to see if they will do the application to see if they are denied and you are eligible for that additional unsubsidized funding.
You may be able to obtain a private student loan from a bank or credit union, but in most cases, a student will need a credit worthy co-signer. This does not have to be a parent, so if you have another relative, such as a grandparent, who would be willing, that would solve it. If not, then I'm afraid there aren't really any other options except to modify your college plans--perhaps choose a less expensive college, or attend part time.