I found a site where you can apply for a loan, and people lend you their own money (plus interest of course). So far I have verified my e-mail and answered three questions - I asked for a $3,600 loan over 36 months at $127 a month for wedding expenses.
Just refreshed and so far I have been funded $25!

I realize I will be paying interest, and yes I could save almost this much myself in the remaining 7 months - but this way I get the chunk of money at once (well, there is 14 days for enough investors to submit a total of $3,600), and help other people out. And this will allow me to have the money I need and be able to set aside money for school books, an emergency fund, and for Christmas, without having to charge
I'm down with that
If anyone is interested in looking at it, you can rep/pm me. Not sure if I can actually post the site