have u tried with yr university anoop? some may provide student loans. my uni (in Indonesia though) is sponsoring the step 1 and 2ck exam because they wanna encourage more students to take the exam. if u are working now u can show a few months of pay slip to get a general bank loan no?or save up to USD$100 a month from yr allowance and eventually u'll have enough. I'm saving that amount for my electives in 2 yrs. that should give me enough for 2 months accommodation and food money in the US.
where there is a will, there is a way. hope u get yr way. remember.. AAL is WELL.