It looks like I will need about another $20,000 in order to attend Lynn, but my parents cannot take on any more debt. Are there any other options?

First, know that your parents may request deferment of a PLUS so that they are not required to make payments while you are in school. Barring receipt of private/outside scholarships, your award letter already reflects the maximum amount of financial aid that you qualify for. Your parents may, however, finance your annual balance on a monthly payment plan at no interest. The payment plan website is tuitionpay.salliemae.com/lynn.