How do i go about getting a student loan?

I go to indiana university and i am in a program that completely pays for my tuition. on top of that, i have a supplementary scholarship that pays for the remained expected cost of attendance minus my family contribution from the fafsa. last year my efc was so low i didn't need to contribute any but this year the efc went up $6,000 so i'm going to need a student loan. do u think that the loan stuff will just be on my award list automatically? (the federal loans). and if i need to pay more than i can get in federal loans when will i need to be getting a private student loan? also.. my plan is to get my doctorate in physical therapy so will i be able to defer the loan payments until i finish all of my schooling entirely?