FAFSA help?

i applied for my FAFSA and my EFC is 24k!!! i have no clue where i can come up with that kinda money. i know its just an estimate but still. anyways im 21 and married and its just me and my hubby and last year we made 79k and the year before it was 69k the school i want to go to helped me fill out the FAFSA and i was looking it over today and it said i had 2 exemptions for 2006 but only 1 for 2007 i changed it to 2 today because it was the 2 of us not just me. after bills we told them we have roughly 150-200 dollars left over and when they showed me the numbers for the student loan it says i'd be paying about $541 a month!! how is that even remotely possible to do with an extra 200 bucks a month? does anyone know how much of a difference it will make since i corrected it to 2 excemptions? or good places for student loans that you dont have to start paying back until 6 months after you graduate like Stafford's loans?