O where, O where has my Student Loan gone?

I go to school in Georgia which provides a hope scholarship for those with a GPA of a 3.0 or higher; however, due to the "Great" schooling system of no child left behind, I failed to succeed my first year in college. So I did what a student does when there is no scholarship money and my parents can't afford to pay, I applied for a student loan. Because my GPA had dropped so badly I had to appeal for a federal loan due to my school's regulations on who can get a federal loan. Well, I made it through the appeal by agreeing to follow some guidelines they provided, but the only thing is federal only covers $3,500 a year. So what do I do about the $10,000 more I owe to the school? I got a private loan or at least I thought I had. When I filled out the application, got a cosigner with a good credit score, and got accepted I thought that there would be no more problems. Then suddenly all these corperate businesses need not millions but billions of dollars to survive, so Washington debates over a $700 billion bailout of tax payer money to keep the economy alive. However the stock market didn't really go back to normal and 401k's and high interest savings accounts lose $1.2 trillion. And I think to myself theres no way this will hurt me, I've been approved for my loan they can't take it away from me. Oh how wrong I was. I go to check my account and suddently it says I asked of $0.00, when in I had asked for $9,500. So of course I start to worry, maybe it was affected by the market. But wait news articles are saying that my lender is fine, that it is stable enough to keep providing loans. Okay so where's mine?