I'm from the UK and currently living there right now.

I intend to go to the University of Toledo to do my bachelors in Computer Science. I wouldn't be using on-campus accommodation, and would only need to pay for tuition. I understand I can get a scholarship for $7,500 as an international student, but I don't know how to fund the other $11,500. I simply cannot afford that, and was wondering what other options would be available and if there are any reputable lenders out there who could help me finance my studies.

A few questions too:

1. Would I have to pay per year, per semester, or pay after I graduate?
2. Would a community college to get my computer science degree be a better option? Considering Owens Community College in Perrysburg, Ohio. Seems to be around $6,500 per year, which is more realistic and feasible for my situation.
3. I believe I could work for 20 hours per week on-campus during term times, and up to 40 hours per week during holiday times on a student visa. Is that enough to finance my studies?
4. I've heard I could get a U.S guarantor to sponsor me. If I managed to get that, would I be able to pay everything AFTER I graduate, or would I still have to pay per semester/per year?

Any other information about studying in the USA would be greatly appreciated.