GreenNote offers an innovative approach to funding a college education: using family, friends, and acquaintances to cobble together micro-loans that could add up to some truly substantial assistance. Opening an account requires that you establish a free PayPal account and pay a $20 yearly fee. While we do not generally advocate paying fees to get scholarships, if you build an attractive profile and carefully cultivate your personal contacts, this could be a good opportunity. The site is available to undocumented and international students, as well as to U.S. citizens.