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I think I need more money..

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I start school in August of 2016 and I'm $6,181 short for college. My cost is $28,816 and including FAFSA, scholarships, grants.. I have $22,635. ***THIS IS NOT INCLUDING MY WORK STUDY*** (Work study = $2,500 for the year) and I don't want to take out any private loans and I don't want to wait and rely on scholarships that I've applied for. The payment plan I would like to do would be the 9 month plan where I start Paynent in July. Here's the thing. I won't have any money until I start school. So with the 9 month plan, I will need money for 2 months. Which is $687 a month. Or I can choose the 12 month plan where I pay $515 every month starting on April 20th...-_- I know I'm getting money for when I graduate but I don't want to rely on something that I don't have yet. Also do you think *having to make $515 ~ $580 for a freshman is too hard? Keep in mind, I'm in AP calc I and I'm taking two additional classes in the summer. (So I guess I can use that time in school of not having to take these classes to work in August and etc..)

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