Someone's already mentioned Y Combinator. But YC isn't the only place you could go for funding. There are angel investors and VC groups all over the map. What you have to do is put together something that convinces these people that not investing in you now is leaving money on the table. Don't worry about failure to get financing at this stage; there's always more people out there looking for the next hot startup to invest in. All you have to do is convince first yourself and then these other people that you can do this.

I would caution you against using college loans to fund your startup. For one thing, it's probably foolish to borrow money for this when there are people who will invest if you spend the time to get them interested. But for another thing, it may be a violation of federal law, with serious consequences if you get caught. A CPA or lawyer may be able to advise you about your options here.