I have enough aid money to cover my classes but no refund money?

Assuming you are already taking the max in Stafford Loans, private loans might be your only other financial aid option. You will either need a good credit score or a cosigner to get a private loan. You can also check about work study jobs on campus. Make a full time job out of filling out job applications this summer while you have some free time. Look for babysitting jobs. Depending on how many classes you are taking, you may need to drop a class or two and use the refunded money for books (you would still need to keep full time status, so you couldn't do this if you were only taking 12 hours to begin with).