You could do the right thing and go to one of the better "big 3" schools (SGU, Ross, AUC) instead. These schools have title IV loans. I started out at SMU when they had loans that were easy to get. Halfway through, they lost loans. I was in your boat, nothing to borrow against, no rich family. I was lucky and was able to transfer to one of the "big 3" for clinicals. It was a major headache, I had to repeat a 5th semester and was set back a year for the match. I should have started out there to begin with.
I am not here to bash SMU, UMHS, or any other school, but be smarter than I was. If you don't have mommy or daddy paying your way, don't go to a school you can't afford. If you can't get into SGU, Ross, or AUC right away, take some county college classes, up your GPA, retake the MCAT, whatever. You already got yourself into financial trouble with credit cards in undergrad, don't do the same with med school. In all seriousness, this isn't a "other schools suck" comment, it is just good advice from someone who has been through it. Good luck.