Private College Student Loan

Why is it practically impossible to get a private student loan with bad credit and no cosigner? It seems like there are bad credit loans for virtually anything. Why aren't they offered to use for college? Thank you!

Private student loans with bad credit and no-cosigner?? I am independent , working full-time , and went to the first year of college full time paid it out of my pocket, but stopped it for awhile , because the cost is way too much . I am entering my second year of Flight school., which is very expensive. I have Stafford loans but its not enough to cover all the cost. Does anyone know of any private lenders that deal with bad credit and no cosigners??

Private student loans...bad credit? I applied for a chase select loan today and my application was denied...I got a loan from them my last two years of college but since then my financial situation has changed. I have a credit card that I'm a few payments behind on...I know...bad, but I'm starting a payment program on the card this month. But my cosigner has excellent credit.I don't know if the credit card is the reason why I was denied, they wouldn't tell me over the phone, I'm supposed to get a letter in about a week. I'm already getting Stafford loans and NYS TAP grant. Without the loan, there's no way I can pay for my education. So my question is do you guys know of any banks who are more lenient about the student's credit. Would it help to discuss my situation with the bank? Also NYS has another student loan called NYSHELP, does anyone have experience with that loan, do they expect your family's income level to be pretty low?

I need a private student loan but I have bad credit, and I am going to an online college.? Does anyone know of any websites I can go to....to apply for private student loans to cover expenses that do not go by your credit score, I was already approved for the Stafford Loan, but I didnt have any money left over. I need help!!!!

Private Student Loans With Bad Credit? I have absolutely horrible credit, and due to some changes is life I am going to need to take out a Private Student Loan for about 15K to survive my last year in college both tuition and living expenses. I won't use a cosigner, and have exhausted my federal loans/grants. I don't want to apply to a bunch of places for it, because I know that will hurt my credit that much more. I know I will have to take a hit on interest rates, and am able to pay small somes while still in school (up to about 200 a month). Does anyone know any sure-fire lenders who will lend to me? Especially ones that won't hit me with TOO nasty of an APR. Thanks for any input. Thanks for the FAFSA input, but like I said I have already done that and gotten my Federal Grants and Loans. Its just not enough. Not close to enough. I do appreciate you taking the minute to post though. =0) And the second post is dead wrong. There are many Private Student Loans out there. Often done thru the exact lenders as Federal Loans, Sallie Mae, CitiBank, etc. My husband got one when he was in school with a low income, and ok credit. Please know what you are talking about before posting.

Okay How do i get a private student loan with bad credit? Yes I have applied to financial aid and i got some grants. I was going to a university but i cant afford it so im going back to a community college for a semester because i have credit card debt and im going to be working two jobs. The community college im going to doesnt have gov. loans. My credit score is 559 and i dont have a cosigner and cant find one. Please Help me!!!!

Where can I get the best rate on a private student loan with low interest and bad credit? I am needed a small deferred student loan about $2000.00 to pay for some college funds but I have bad credit.

Bad Credit Student Loans? I'm looking for student loans(private) Not Stafford, or Perkins or Pell Grants. I have bad credit my parents have bad credit, and no one can cosign for me. I was even denied for the Sallie Mae new expanded loan which had an interest rate of 15%. I don't won't solutions like enroll part-time at the local college(as I already know this) What I'm looking for is a private education loan for students with bad credit, no cosigner. I need to borrow 1551 to pay of an old encumberance. No one can lend me the money I don't particularly care about the interest rate, if I can't get this loan, I can't go to school. I have a job here, but not back home, I depend on this job, meal plans etc to live. Parents can't afford to feed me. As they shouldn't have to. Talk to financial aid admistrator they don't have any options left. Its unfortunate I can't attend school for 1500 bucks, when I've paid the school over 20k, but hey they don't care. no grants or scholarships are going to be given to me by tommorow. I need this by tommorow or I can't eat, if there is a way to get a grant by tommorow, otherwise, why won't they make educational loans to students, I mean this isn't a personal loan, and earning potentials for college grads ensure that they will get their money back, these are obligatory debts.

Student loans for people with bad credit? I am trying to enroll in College but I need to obtain a private student loan to afford it. I have bad credit and am having trouble getting approved by the lenders that I have applied to so far.

private student loan with bad credit and no cosigner? I'm a freshman at west georgia technical college located in georgia. I'm receiving federal pell grant and hope grant, but i need a loan to help with other things i need for school. my school does not associate with any loans, just government loan. i've searched online for private student loans and no luck at all. i've tried wellsfargo, bank of america, salliemae everywhere and no one will help me. does anybody know where i can apply for a student loan with bad credit and no cosigner and i will know for sure that i'll get approve for it.

i need a private student loan for college but i dont have credit & my parents have bad credit wat can i do??? i have no 1 else 2 co-sign 4 me & already did the fasfa

Will a private student loan ruin my parents credit? So I really need a private student loan for college, but I would need my parents to co -sign for me. They won't because they say it will ruin their credit. But I don't see how! On the sally may web site it says that i have to pay it back after I graduate or it will effect mine and my parents credit then. Also my mom is trying to get a new car this year. If she took my loan out will it effect her getting her car? How will it effect their credit now? Would it look Bad on their credit report?

Does anyone know about any great student loans for people with bad credit? I am a college student with terrible credit. I really need help with a private loan that will help me with school and school supplies, i am almost finished and would hate to quit school because of this. I don't have a co-signer and I am loosing my mind on this terrible search. Any suggestions?

Where can I find a lender for a private student loan if I have bad credit and no co-signor.? I am a Hurricane Katrina evacuee and I had just enrolled at my college last fall when the diseaster struck and to make a long story short, I am now living in Lafayette parish still in a FEMA trailer struggling to rebuild. Needless to say, many bills have gone unpaid, many dreams, hopes unfilled. However, the spirit is gaining strengh and courage thus, I've applied to the university however, without enough funds in 30 days the opportunity will be delayed again. Help!

I have bad credit, no co-signer and I need a private student loan. What do I do? I am a single mother trying my best to continue my education. Recently my car blew up and I had to transfer to an online college. I have recieved a small amount as a grant and also have had to take out another student loan. The problem is, I still have other educational expenses that aren't covered by either means of aid that I have recieved. So I am needing a Private Student Loan but have bad credit and no co-signer. Can anyone help me, please?

Student Loan/ Bad Credit question? Hey people, I need to do a summer semester and then another year in order to graduate from college. I took a break from my studies a couple of years ago and during this time, my credit went to crap. So I was wondering, does anyone know how a person with bad credit gets private student loans? I'm really desperate as the summer semester starts in like 3.5 weeks. Thanks,

Were can I find a private student loan for my son if my son and I both have bad credit or no credit? My son is currently seeking to go to college and he qualified for the pell grant but he is short $4,723 and I am looking to get a student loan for him, he is 22 years old and I am going to be his Co-Sighner but we both have our credit affected.

Are there any student loans that do not require a cosigner or a credit check? I am about $5,000 short of having my tuition paid off.. Anyone that would be willing to cosign for me has very bad credit. If I can't find a private student loan either without a credit check, or without a cosigner, I can't go to this college. Please help! Also- Are federal loans all automatically applied for when filling out the FAFSA?

Student Loan, Bad credit??? I am a freshman college student with BAD credit. My financial aid package isnt enough for me. I need to find a private student loan to help me cover the costs. But i have bad credit and I am having no luck finding a lender. By the way i have applied to a bunch of scholarships and None of them will do any good for this year 2006-2007. So i need a way to pay for this first year. help please!!!!!!!! Also, the government backed loans didnt help enough either... i need to be able to pay for the books i need and a computer which the school wont include in the cost of attendece, so therefore i cannot get the money from the government backed loans. I need some ideas on where to apply for a private student loan where bad credit wont hurt me and get me denied. I have a cosigner but his credit isnt good either. HELP!!!!!!

Is there any where online i can get a $20,000 private student loan with bad credit? ive tried to find a few places where i could get one and even with a cosigner who pretty much dosent have bad or great credit, i get declined. i need one so i can buy all the stuff i need to actually go to an online university for psycology, its pretty expensive to go there, but its one of the best for the feild i want to study in. and it is my fault my credit stinks, but i didnt expect the company i got a cell phone through to screw me over by charging me for stuff i didnt do, i even confronted them with proof and he said tough luck you have to pay it, so i will if i can get the loan. and i cant get a lwayer because im broke and where i live no lawayer wants the case. so if any one can point me in the right direction id be very greatful, my whole future relies on what i do now, and ill have a very good future if i can go to this college. thank you i thakn you for the answer but the site you gave me i was told by a friend before was not a trustworthy site, but thank you uany way. thanks les, i reported 1 of the two bc i could tell they were scammers, and i have fin aid but i need money to buy a computer and stuff bc im using my moms comp and she goes o online college, the only reason ive been ale to use the computer lately is bc she has easy classes rite now, but the collge im going to go to is university of phoenix online

I need a private student loan and I have bad credit and no cosigner, is there hope for me? It seems as though I cannot get a stafford loan for my community college and I have exactly 100 dollars to my name. I need to get to school this fall or I will go insane! please help!

What are some legit links or websites to get either education/student or personal loans with no or bad credit? i am a college student with no credit,but im also going through a car accident settlement but the bills are still on my credit unpaid until the settlement is completley "settled" and so it os bad for the moment but it will be erased soon and then im back to no credit.I do not have anyone to co-sign and so thats why i need a private loan.(not stafford or perkins)

Where can i find a good private student loan? What are your experiences with private loans? I want to attend Seattle community college but they do not accept federal loans so i am looking at private loans. I don't have good credit but I also don't have bad credit. I have about 10,000 in collections. I want to find a loan that I can wait till I'm out of school then i can start paying on. Please let me know any experiences you have had with private loans also. Thanks

Where can I find a private student loan that will take a person with bad credit, no job, and no co-signer? I am a senior in college and I am trying to get a loan. I already got a grant and federal loan, but I need more to pay my rent. I am taking a full load so I can not work at the time. Help me!

How bad will it hurt my credit if I let my student loan go into collection? I recently graduated and I have a private student loan through Sallie Mae and the company refuses to give me a payment amount that I can afford. All my government loans are in good standing because they allowed me to file an economic hardship deferment, but the private loan won't do anything other than giving me a payment of $400 per month. I only take home about $1000 per month and I live on my own. So that payment amount is just not possible. The other option is forbearance, which I did once and cost me $150 (none of which goes toward paying my loan, it just keeps them from putting negative info on my credit.) From what I understand the most you can have a forbearance is 12 months after that the only option is to pay or go to collection. I'm SO low on cash that I'm about ready to just let it go to collection. How bad will this hurt my credit. The sad thing is that I'd be willing to pay a lower monthly payment but they refuse and say $400 or nothing. This is the unfortunate after math of me going to an expensive private art school when I first started college (which I eventually transferred from but still racked up a mess of debt.) A school that didn't offer the government loans and grants that I got once I transferred - hence the private loan. Any idea on how many points it may take away from my score. Before I graduated it was like 750, which was considered excellent. Pretty sure it won't be there anymore..... Miki...Yes, I wish I'd known this when I was in school getting the loans. I was always under the impression that I could defer all my loans after graduating or at least get the loan payments based on my income. I even requested in writing to switch to the extended 25 year payment plan and they sent a letter back rejecting me saying that if I did that the payments would be higher than their "select step" plan, which is the plan that's $400 per month - which I don't understand how a 25 year payment could be more per month than the $400 plan which I believe is 15 years. They also say they don't offer income contingent plans for the private loans. Only full payment or "select step"-whatever that means. The sad thing is that I got these loans right through the school and they included it in my financial aid package as if it was a regular loan. So I had no idea when I was signing up for it that it had stricter repayment options. I thought it was just a supplement to the other government loans.

Do I need a cosigner applying for a Private Student Loan? I am an 18 year old college student with no credit. I am planning to apply for a private student loan but I realized my father have bad credit. I can't find anyone else to cosign for me with good credit.

I am trying to find a Private Student loan that may not need a cosigner and credit check to get approved? I am having a lot of trouble getting a private loan this year. My co-signer last year has had a problem her husband filed for bankruptcy for himself and it shows on her when applying for loans and won't give her, so can't get her to co-sign. Anyone in my mom's side never went to college and also has bad credit. Father's side won't help me and never will. Mom and step father has bad credit. None of my adult friends want to do it because afraid of the responsibility. I just need to know it there is a site or loaning agency that doesn't need a credit check or co-signer.

Desperate for a second chance at going back to school and denied private student loans, don't have a cosigner.? I went to a private college for almost two years when I realized I was wasting tons of money on Bible credits I would never use, so I decided to take a year off and figure out a great school to go to with a Music Business major. I set my sights on The Institute of Production and Recording in Minneapolis, MN. Everything has been going great...except for my student loans. I have about half of tuition covered my Stafford loans the only thing is, the school isn't an eligible school for several student loan companies. My adviser has been giving me several different ways to get private loans and I have been denied by three places, and twice with a co-signer. My parents have the worst credit right now due to their specific jobs that aren't doing well in this economy. I fell a little behind on my student loan payments from my past private school but have communicated things with them and have set up small payments each month, but I am still being denied these private loans due to my credit score. Please help, I couldn't be more desperate in finding a way to pay for my tuition and this school. Classes start July 27th and I have been working non-stop trying to find new ways of getting there. Thanks!

What should I do about money and student loans? I want to quit my job in January and just go to school. I live on my own so I am going to need money to live off of. The school I am going to for the first year is a local community college and then I am going to transfer to a major university the following year. According to FAFSA I am going to receive aid from family greater then the cost of school and I also made about $20000 over the course of the year so I am assuming I will receive no aid from them. My parents are going to pay all of my school expenses (Books, Classes, and school related fees) Any money I receive from aid, loans, or grants my parents would give me the cash from but they wont give me money to live on. My question is this: If I apply for federal student loans, like the stafford loan, will they still approve me even though my school costs will be so low for the first year? I was going to use the money from those loans to live off of. I also have bad credit so private loans aren't an option, I have no cosigner. thx I am paying off all my debt in January, but that wont clear up my credit before I need the money, thanks but I don't need rude comments from people like you.

Student Loans and More? I recently decided to go to college and have no support from family and know very little about the process. I have found a lot of contradicting information on the internet and just want some confirmations on the info: ~Private student loan requires good credit/co signer ~Federal student loan does NOT require a credit check but is not based on need, no help for cost of living ect, just pays for school ~ Generally these loans are payed back 6 months after you finish school ~As i have bad credit (not terrible, 3 or 4 debts no higher than 500$, i will be getting a federal loan. is there any other help out there for people like me? ( cant get a job, currently a stay at home mom of two) if i payed these debts off would i be able to get a Private loan? Also, if anyone has any information on grants that would be very helpful. I would just like to add i live in alberta canada, most of the sites im getting are for us only

i just applied for two student loans and got denied ... is that bad for my credit score? i don't have a cosigner and if i don't get a loan in two weeks i won't be able to go to college . is applying for loans making my credit score go down? and also ... do you know any good private loans that do not require a cosigner? i already did fafsa and only got a pell grant and an unsubsidized stafford, and then my parentPLUS got denied so i got a subsidized stafford and now i need to resort to private loans .

How can I pay for college with a bad GPA and Bad Credit? Yeah its a stupid question but I am desperate to go to school. My first year I messed up and burned myself out from all the work and gave up. My GPA suffered. Now, after taking 2 quarters off, I am more determined than even to return to school. I need help paying for it though. I have a job and pay through out the quarter, I just can't pay it all at once. I asked the school if I could pay in payments, however, they said that I could only pay in two big payments. I applied for private student loans, but I was denied for not having a credit history and, eventually running my credit too much. I really need to go to school. I just am stressing and fretting about paying for it. I missed the financial aid deadline for a Stafford Subsidized Loan by a day! Is there anything I can do or am I just screwed. I have a week to pull out the first payment. Thank you for your help! Really, anything helps. I am just really desperate now. Back in the Fall, I wanted to go to school but couldn't pay for it so I was going to take out the Subsidized loan. But I missed my school's financial aid acceptance date by a day and all my financial aid awards were taken off my account. Because I couldn't pay, I got a job to save money. Due to circumstances, I had to use all my savings and now I am pretty much living in my car. I just really want to go to school. Sorry, I am trying to be a full-time student.

problems getting a private student loan? I am a 4th yr college student trying to go back and finish on my own while working fulltime. I have had some credit problems since i have been overwhelmed with debt and having to start paying back my other loans from before, while not making enough money at my 3 jobs. I have a very credit-worthy cosigner but am having problems getting approved. i do not mind the higher interest rates on bad credit loans, i just really need money ASAP for tuition/etc and will worry about paying back when i have a career. Does anyone know of any loan companies who would be able to help me out? I am trying to get a private/alternative loan to cover expenses for an out-of-state school. I have tried many popular ones, but to no avail. i feel like i am in a lose-lose situation and just want to get school finished! edit: i am very aware of student loans and how they work. my cosigner is my mother and they have an excellent credit rating. i am not getting approved because of MY credit. and yes actually loan companies have called my mother before when i have missed a 150 payment...sallie mae at its best. the reason many students take the "worry about it later" approach is because we are all working low-wage jobs while also being students and clearly don't have a decent paying career yet without the degree. we are more worried about getting the money ASAP and paying for it later when we are actually done school. i appreciate the input.

What happens when you default on your private student loans? I have several federal and private student loans with SallieMae. My degree is worth nothing in this economy and I can't afford to go back to school. I couldn't afford college to begin with, which is why I have student loans. I don't qualify for any programs and anything that SallieMae offers as assistance costs more than my actual loan payment. I know that since I've stopped payment I will receive penalty charges and will, eventually be reported to the credit bureau until the account is balanced. Then, after 45 days, my imaginary wages will be garnished. Then, if/when I default, I will be subpoenaed by a judge. Can anyone give me a step-by-step of the possible scenarios (best and worst case) that I may face after defaulting? I don't own any property and I am worried that they'll find a way to take my parents' property. I wish I never went to college.

How Do I go about removing a bad entry on my credit report? I have a problem with Capital one, who has always seemed to be unreasonable with any efforts to remedy situations. I had a problem paying a bill while in college, and it was charged off. I did end up paying it. With over 700 FICO score i can't get a private student loan to attend grad school, because of this one loan charge off account on my credit history. Like usual, Capital One is unreasonable and not willing to work out a resolution on a situation that occured over 3 years ago. Any idea what I can do? slabberdasken, that is what i figured, but Capital One has never been reasonable in the first place. They have always acted like they have no incentive to work with me....reason while I'll never carry one of their cards again.

Can i make a settlement on private student loans? I went default on student loans in dec. of 2010. i went to itt tech when i graduated from high school. Like a fool i was willing to pay more for a more hands on enviroment. What i didn't pay for is when in early 2008 they canceled my program because it wasn't make any money for them. So now im stuck with student loans and no degree. I didn't work during college because i wanted to maintain my 3.0 gpa. Now years i can only find seasonal work. And most places won't hire me due to lack of experience. Im not the type of person who doesn't want to pay what he owes. It's my duty to pay them regardless of what happened with itt tech. I'm fine with my federal student loans. But one loan of mine with default that costs 12,000 dollars. I can't pay that much in full. Im unemployed now. My last job being a seasonal retail job. I don't have a game system. I'm wearing the same pair of shoes since 2008. And i only get new clothes once a year. (christmas) I would be living out on the street if it wasn't for my grandmother, mother and stepfather. They can't afford to help me pay because they have bills of their own. I can't go back to school without a job. I have to pay my way now since my stepdad makes too much money and i don't get much student aid. i'll do anything to improve my credit. My self esteem is so low now sometimes i don't feel like getting up in the morning. At time i wish i was dead. Do you have experience with student loan debt gone bad? Have you or anyone you know have to settle on student loans? How much do you think they will settle for?

Private Student Loans? I'll get straight to the point, I'm from a lower income family with bad credit so I don't have a co-signer for a loan I need to start college. Between that and me having no credit, I've been rejected from several different lenders and It's starting to get stressful. Because of my family's financial situation, most of my tuition is paid and the federal loans covered the rest. That was only my tuition though, I need to get a computer, room and board, books, and many other little things that are very essential. Help?

Will bad credit hurt my chance for student loans? To make a long story short, I have had a very, very bad six months personally and one of the worst things (besides a cancelled wedding six weeks prior to it happening) was having my car repossessed after being ONE month late. I am getting it back, and my parents are just going to pay the rest off for a graduation gift (I graduate with a B.S. on Saturday). I was planning on going to graduate school next fall, but will have to get student loans, as my little brother is entering college and my parents cant pay for both of us to go. I have never had any student loans before. Is the repo going to keep me from getting any federal loans? (I know it will hurt me if I try to go through thte private sector now). Thanks! NO ONE HAS ANSWERED THE QUESTION THAT I HAVE ANSWERED. I am not looking to go the private lonan route, I know these usually have ridiculous interest rates. My question is whether I can be denied federal loans to go to school because of my bad credit. It is a yes or no question, please, if you are only trying to solicit private lonas do not bother answering my question. Thanks.

Who is a good cosigner for a Student loan? I am 22. Just got accepted to my dream college. I want to borrow 35,000 a year for two years, probably a private student loan. I have no credit. My parents have bad credit.... I was thinking a Grandparent...but, does the cosigner still need to have an income? All of my Grandparents are retired. Please send me suggestions! Thanks. Also, any sites for loans would be great!

Any advice on getting a cost of living student loan with bad credit? I want to get an apartment closer to school (my parent's house is an hour's drive away). I'm trying to get a cost of living loan, and I have applied with several private loan companies with my parents (they filed for bankrupcy 5 years ago) and have been denied each time. I'm going to an expensive private college, and am getting about $4,500 a semester through the government, but my tuition is $8,160 each semester (three semesters a year) So.. any one have any good suggestions? How can I get a loan when my parents and I both have bad credit? I have a school fund from my grandparents, but its only around $20,000. Thanks for your help guys!

getting a credit card and loans? So i dont have a job and i have no credit and my mom who would be a cosigner has the worst credit imaginable its below 100. Im going to college and im looking for a job right now but ill be getting a check for 2500 in Sept. but as u know college starts in aug. she told me to get a credit card for gas or take out a loan. I told her i cannot get a credit card without proof of income. She said I was F***** stupid and i didnt know anything and that anyone can get a credit card without income. I told her she was wrong and she just blew up and started calling me names saying was stupid, lazy, i just didnt want to get a credit card. As for a loan I dont want to get a loan that i have to make monthly payments cause if I have no income how will I make the payment. And for private student loans you need to have decent credit or a cosigner that has decent credit and or source of income. She tried to argue with me on that to saying I didn't no crap. She is like a crack head going thru withdrawl when it comes to money they'll do anything to get there hands on it. I like to think things thru I dont want to get into a financial mess (she has 15 unpaid loans and hasnt paid rent in 6mos). I like to think about how will I make the payments instead of just getting the money now. When i get my check ill get a car, laptop and stuff. She'll have to drive me back and forth for maybe a total of 8 times before I can get a car and its only a 30min drive. Im trying to get a job but being a transsexual in a small town and having no work experience is difficult and my family are all drug addicts and vanalize and steal stuff. My mom supports there drug habits and buys the cigs for my 16 and 13 yr old bros. I just dont want to be like them. I dot want to be in financial debt, be a hateful person, steal; I want to work hard for what I have. Anywhos my question is can you get a credit card with no income? Which Im pretty sure is no. And how would you suggest I cope with my mom and stuff? Also any tips on getting a job?

need cosigner for private student loan.? i just started college and i need money. i did apply for financial aid but that doesnt come till next month, so i applied for a stafford loan but that also doesnt come till next month. so my last hope is a private student loan but i have no income, credit, or cosigner cuz my entire family has bad credit. i dont need much only enough , to buy a computer, books, and a bus pass, i think about 1000 should cover it. but i need it NOW. so i wanted to know if there is any other way to get money for school now and not in 4 weeks. or if i can somehow get a private loan without a cosigner.

I need a private student loan, so could I find a cosigner online if I entitle them to a certain percentage? I have bad credit due to a past hardship during which time I had to apply for credit cards for bills and things. If I apply for a private student loan, I don't have to pay it back until after I graduate. However, I have found loans where if I make the first couple of payments on time, the cosigner would be dropped off of the paperwork. Is there anywhere online that I could find a person with good credit to cosign my loan, if I wrote up a contract giving them a couple thousand dollars out of the loan just for signing it with me? I would make the first couple of payments right away instead of waiting, using some of the loan to do so, so that the cosigner would no longer have any obligations and they could take the money and not have anything to worry about anymore. Any ideas? I need this to pay back credit cards and a couple of bills, find an apartment to live for myself and my two daughters, and use until I start working later on this month or next month. (I'm just waiting on the phone call to go into the job and get started.) I am only 19 years old, an online college student, and a mother of two. I really need the help. I am a very honest person and I would promise that the cosigner would receive a percentage of the loan they would cosign, and I would be responsible to pay the entire loan back, INCLUDING what the person would walk away with. I would sign a document and everything. I am enrolled in an online college. Private student loans can be used for any living expenses that students encounter while enrolled in a college. Please, do not post your opinions, only answers that I am seeking. Thank you. And also, no scams.

Problem getting a student loan? I am 20 years old and planning on moving from one community college to a new community college this fall. I have good but limited credit history (i.e. I have made all my credit card payments and such on time, but have not had the accounts for more then 2 years.) Well I get little to no financial aid and the federal loan I get just barely covers cost of attendance. Biggest problem I have is both of my parents have bad credit (accounts in collection and such, so Parent loans are out of the question) so I have no one to turn to for a co-signer. Is there a private student loan I can get that will allow a student with limited credit history get enough money for housing, books, a new computer, and extra living expenses. I've looked everywhere but just don't know where to turn. Please help, I don't have much time before the next semester starts. If you need anymore information just ask.

can't get a private loan for college? i am going into my 3rd year of college and need to find a private student loan but i keep getting turn down. i have tried with my dad as a cosigner but his credit is too bad and my mom's is much better. i need to burrow $20,000.

I need a student loan only 4 5200 where can i get one with a bad credit cosigner? i desperately need a cosigner for a private college loan, what institution is best for me? i already have fafsa loans....How does everyone get loans but i cant...... help please

Could having a block on my credit report stop me from getting student loans? So I have been trying to get money together for college for the past few months. I was denied the parent plus loan but I thought it was because my moms credit wasn't that great. She got her report back and even though it isn't fantastic, it isn't so bad. I then tried to take out two other private loans and they both said we cannot approve your loan request. I initially thought this was again because I have no credit and my moms credit is not awesome but people kept telling me that she should still get approved because she makes 76,000 a year. We then went to check our credit scores and it said mine had a block on it. I didn't put this on myself so I'm confused how this happened but I noticed how it also said this could stop me from getting a loan. I was going to go to the bank on Monday to ask them about all of this but I thought I would see if anyone knew what was going on so I wouldn't go in blind? thank you very much!

how can i help pay my kid's college tuition if i have bad credit. Alternatives? both me & my husband have poor credit. my daughter is attending a private college on a partial sports scholarship. I know that there is a co-signer option but what if i don't have that either? I've tried to use my dad as a co-signer on a few student loan apps & he was denied. I'm running out of time and i have no idea what to do. HELP!

Any good websites to take out loans for ppl with bad credit!? Im a college student. I need to take out a private loan but i have no co signers. Any tips or websites? Any scholarships for the middle of the semester? Thanks!

credit score for student loan and chex sytems debt? i have a 575 credit score, and a debt with chex sytems. i have been having really bad luck trying to pay that debt of for 700 because the collections agency never sent me a receipt of my first payment so i stopped paying until they woul dsend me a receipt, but they now closed the account. it is hard for me to come up with extra money to make payments anyway. i work full time, but make peanuts. peanuts! all i have ever wanted was college, but i have bad credit and cant take loans out on my own and have no help. time just keeps passing by and i have tried to go, but i need the loan money at this point to continue and do really well. so what if i cant pay that chex sytems debt? it is 4 years old now. that and a hospital bill is my only debt right, but the hospital bill is in a closed collections account too. so what shoul di do about that chex systems debt if i cant get a hold of the collectiosn agency or dont fuly trust that they will remove it from my file? how can i get my creedit good enough that i can take out a 6,000 a year private loan? what score is needed and what about my negative marks? thanks

Im $10,000 in credit card debit and college student. What do i do? I am 21 years old and $10,000 in debit. I pay for college myself and last year i didnt get enough money from a financial aid & i only got approved for $3,000 from a private loan. so i had to charge $8,000 to pay for school on my credit card. Im in a horrible situation & now i have bad credit. I need to get a loan for school this year but i dont know how and have already maxed out gov. loans. I am currently working and trying to find another job. Nothing seems to help and i dont know what to do. I'm just getting more depressed and my parents cant help me. my dad lost his job and is struggling to provide for the rest of the family. Help me Please! If you have any suggestions about where i can get a loan please tell me!!!

Question about student loans for college? I need to take a loan out for my last year of college. I have done without for the past years because my parents have helped me out. The problem is, I'm not gonna be able to work because I'm taking 24 credits. I have three credit card bills that are high because I put some school expenses on it over the years. Anyway, I wanted to take out a private loan or something to pay off my school for the 2 semesters and to pay some of my credit card bills. Does anyone know where I can get a loan like that... especially in these bad economic times? Can anyone give me any suggestions? Sorry this was so long. Thanks! I would do the federal loan, but when I fill out the fasfa's I do not get any loans because of my parents income. Plus I can't pay any of my credit cards with the federal loans right?

How will taking out multiple, consecutive (not simultaneous) loans affect my credit score? I am a recent college graduate with a relatively new job. I've made some bad decisions in the past, but now I have an "excellent" credit score. I would like to pay off one of my private college loans as quickly as possible because it carries a high interest rate (about 15%). I do not qualify for refinancing for the total loan amount through my credit union -- I was wondering if taking out smaller loans (of 10% of the principle of the student loan, each carrying a much lower interest rate of 7%-8%), one after another, would have a negative affect on my credit score (ie. lowering the average life of lines of credit/loans in my credit history; which at the present is at 7 years).

Need help finding a good private student loan.. I dont have a co-signer. I dont have really good credit but its not really bad either and i have only had credit for less than a year. I need help finding somewhere to let me get a student loan for college. Please anyone who can help let me know where to look. Thanks

Student Loans...Question? Ok..i need to buy a car and I was thinking about taking a private student loan out since ive used everything that FAFSA has given me for college....I would like to get a job so I need a car and so that I can go home. The only problem is, is that my parents have really bad credit and I pretty much have no credit. My sister who is 21 has very good credit and she has credit cards and pays payments on her car in her own name...shes completely independent. Could she qualify to co sign for me so that I could buy a car? and How would I get the loan if she qualifies?

Getting personal student loans with bad credit.? I am 17 years old and I am leaving for college this fall. I have filled out the FAFSA and I didn't qualify for financial aid because my parents make too much money. They make around $70,000 a year. The problem is, a couple of years ago my mom lost her job and not long after our house went into foreclosure. My parents credit is so screwed up its not even funny. Yeah they make a lot of money, but they are so deep in debt it ridiculous. My cost of college is around $15,000 a year. I have filled out scholarship after scholarship. I haven't heard from any of them yet, but there is still time. I will probably have to end up getting a private student loan which doesn't bother me. I don't care to pay it back, I just don't think I am able to get one because of my parents credit and I don't have anyone that could co-sign for me. Please help!

Buying a house with bad credit? I have bad credit because of poor decisions I made a few years ago when I was in college, charge-offs, late pays. I've since graduated and am trying to be financially responsible & build credit. I am currentlly renting a 1bdr apt & paying all utilities. I've found a Hud-owned home that is priced below market value. The mortgage/insurance/taxes combined for this house would be less monthly than my rent, and the utilities slightly more because its larger, so its more to heat. But I don't qualify for a FHA mortgage on my own. Can I get one with a co-signer? My mother already co-signed for a private student loan for me while I was in school, which I'm still paying on. Will this effect our eligibility? My other option is to have my grandmother give me the money to buy the house outright. I don't really feel good about that though. She has offered in the past to buy me a townhouse near her that cost $20k more than the house I want, but I told her no. I couldn't accept that large of a gift. But if I let her give me the money to buy this house, what is a proper, legal way of paying her back?

Federal Student Loans? Ten Points? Hello, I was wondering if iot was possible for me to get a federal student loan without going through FASFA. This is my story: I was going to this University when my mother and I started going through some things. She's bipolar. This really took a toll on me and I began acting out and slacking in school. I eventually got kicked out on academic probation and I financial aid was taken away from me. Since then I’m proud to say I’ve gotten my act together.! I’ve taken classes at my local community college and has been on the Dean's list every semester! This is my problem: I want to transfer back to the university, and I have convinced the Head of Registrar to accept me back, but I can't receive any financial aid until my GPA at the university increases. There is no way in h.ell I can get a private loan because I have bad credit, and no co-signer. The only other sources I keep seeing on the internet is federal loans, but I don't know if I can still get one at this school because I can't get financial aid. Please help me I am desperate. I have no help, and I am trying to get my life back together. Is there any hope for me? Thank you soo much for your time, and yes I do pick best answers. If getting scholarships were that easy, I wouldn't have this problem... -__-

Student Loans for College Expenses? I have borrowed the maximum amount of Federal loans for my college tuition, and applied to several lenders (Chase, Citibank, Wells Fargo, Sallie Mae) for a private student loan. But I have been turned down because of my bad credit, and my cosighner's credit is somehow not good enough, even though it is good. (around 670-700). What other loans are out there for me? Are there student loans that don't need a cosigner, besides Federal ones? I'm in need of alot of assistance.

Private Student Loan --- complications? This is very difficult to describe. I attend a small community college. I plan to graduate in December but need to take Summer classes to do so. I have used all my grants, federal loans, etc. through my school for the previous semester. The financial aid advisor told me there are no other options unless I do the Parent Plus loan. There's no way I want my parents involved, besides, they have worse credit than I do. So I've applied to a few places online and have been denied due probably to low income. I can't get a part-time job on top of the job I have. What should I do??? I need to graduate but the money aspect is holding me back. I have tried SallieMae but once I log on it brings me to a blank page, so.... can't apply there. What are some other companies who have a high approval rating? Co-signing is another problem - been there, done that. Like I said, my parents have worse credit than I do so of course I was denied from another company. Any help is much appreciated! Need the money ASAP. I have a summer class starting on the 19th and still have no book and the tuition is partially paid.

What is a good Private Student Loan... Need HELP!? I really need some help. In into my junior year of college. My first year I was stupid and didnt want to apply for a loan to help me out with college costs (books etc.). My actual tuition was covered by grants. I put all other bills for school onto a total of three credit cards. Now, into my junior year I have maxed out these three credit cards and only am able to make a min. monthly payment. (Yes, I realize I made a bad decision to do this... but you live and learn.) I want to get a private student loan to pay off my credit cards. One where a check will be mailed to me and my debt will be taken care of. I do have a co-signer. I also have 2 other student loans out now from my sophomore and junior year. If you could, please help me out and tell me which private student loan I should get (ie. best rates and whatnot.) Ill be doing my homework on this as well but theres just so many to choose from and so little time!

I need a private student loan for between 10,000-25,000+...BUT...? I have these problems: I am currently on vacation in a different country, but i attended 1 year and 2 summers of community college..I'm in honors classes, I am president of a big club at my school, and my grades are pretty good with the exception of the first summer i ever too college courses. My GPA is almost a 3.0, maybe now it is a 3.0 after this past summer. Problems are: 1) Bad credit, i had my identity stolen and someone opened a few accounts under my name, not TOO bad but i haven't even begun to fix it up 2) No checking/savings account 3) one credit card account, maxed but i only have a $300 limit which i can pay 4) A job that doesnt even pay $5000 a year.. Good things are 1) I have a cosigner available 2) i could get a job with a salary of at least $20,000, maybe more thats all i could think of..basically i need to know what i should do, what bank i should apply for a loan in, what will help me actually be approve for a loan..that kind of thing.. please help! i only have a little over a month to get a loan... thanks! Oh yeah! I need the loan to pay for tuition, rent, transportation, etc..basically living..

College student looking for a used car.? Okay so I am going to be transferring to a university in the next year. I need to get a car. I am currently looking a honda accords and ford focus. But I really have no clue what to get. I will be living about 2 hours away from home and I need a reliable car to get me from here to there and be able to come home whenever I want and get around campus. I also am thinking about taking out a private student loan for it. But I really have no cosigner my parents will do it but they both have bad credit. But I really have no other choice but to try and get a loan considering my family doesn't have the money to buy me a car. I really need help on this one. I have to have a car. Oh and I am only planning on taking out a loan for 3,000. So please helpp.=)

College Student Needs Your Help!!!? I could not apply for FAFSA because my parents won't give me, or don't have the information for me to fill it out. I got a private student loan this past semester with my grandparents as cosigners, but they have both been hospitalized this past month and have been going through so much. They are not going to be able to help me this next time around. Problem is, I have a month until I owe my school $3000. My credit isn't bad, but I have no steady income at the moment, and all the major lenders have denied my application because I make less than $12,000 a year. Does anyone have ANY advice/suggestions.Thanks!

I am a college student looking for a private student loan so I can pay for summer school. I'm looking for a I'm looking for a private student loan that is for bad credit and doesn't need a co-signer and that I could defer my payments until 6 months after I graduate. I need it so I can pay for my summer school and I'm looking to borrow $6500 to pay for both sessions. So if anyone know any banks or any places that have bad credit private student loans and could defer the payments until 6 months after I graduate it would be a lot of help if anyone could give me the name of these places because I need the money like right now so my classes won't get drop.

Does anyone know about a great student loans for people with bad credit? I am a college student with terrible credit. I really need help with a private loan that will help me with school and school supplies, i am almost finished and would hate to quit school because of this. I don't have a co-signer and I am loosing my mind on this terrible search. Any suggestions?

How hard is it to get a private student loan all together? I'm starting college in the fall and I need about $20,000. I have basically no credit and my parents have bad credit. My grandma, who has good credit, has agreed to be my cosigner. How should I apply? Is it better to go to a bank or do it online? Will I be able to get it done by the end of August? How long does it take to get approved? Thanks in advanced! I applied for financial aid, but they basically said my family made too much money. But my dad recently lost his job so now I need a lot =(

i am looking for a private loan company that will allow me to take out a private student loan without a cosign? er and with bad credit... my credit score is about a 550 and i need 2251 to pay off a previous bal with a university so i can continue my college education at my new university and have my transcript sent over... please help

Can I get a loan with bad credit and no cosigner? I went to a private university and my last semester I couldn't get a student loan to payfor it. I've gotten all the stafford loans I can so that is no longer an option. I owe about $17,000. I need to resolve this so I can obtain my transcript and return to a city college. Does anyone know of anything I can do? Thank you in advance.

So does anyone know any legitimate loan lenders out there because I need a loan for school? Because the people that try to give me loans like charles dorwin and tony wilson are scams according to s source and I just want a real loan lender that could give me a private student loan even though I have bad credit and no cosigner. So is there any loan lenders that are not scams that is willing to give me a loan even though i have bad credit and no cosigner and that is willing to help a college student out to get a private student loan even though my credit isnt great and dont have a cosigner?

please someone help me with this question..? i am a college student , senior . i have to pay off money, my credit score went down. i need to find a private loan company that will cover my tuition, and that will send me the check so i can buy books, i am super broke right now. i used to use tuitionanswer by salliemae, they would send me the check. but if anyone knows about private student loan copanies that do that please please send me a list. i would highly appreiciate it. also if anyone knows any private student loan company that would give loan to bad credit students or anything liek that..please help. i want to finish my last year....

I want to go to college but im broke!!! help!? I'm 20 years old i live alone in an apartment i rent for 1250 a month. i make only about 550.00 a week working under the table as a Nanny. To make 550 i work two jobs one in the morning and one in the afternoons. I want to go to college soo bad but i have no time/money for it. I know i can get financial aid although if i go to college i would want to quit my morning job and take classes during that time. If i do this i would not have enough money for rent. All and all i was wanting to know if it is possible to get a private student loan so i can pay for my rent for at least 2 years while im in school. I dont have credit and i work under the table. What should i do?

Who is responsible for student loans? Is the parent or the student responsible for paying student loans? I am in a huge bind. I am $15,000 in debt for ONE semester at a private college. I had to leave b/c my guardian stopped paying with out my knowledge. I/my guardian took out Federal Loans witch do not have to be paid back until I stop going to school (I am enrolled now in a community college). But I still have about $7,800 that the private college loaned me out. They are charging me 18.9% each month - which is ABSURD. I am living with a another family member and my guardian who got me into this mess isn't making an effort to pay the private college back. Basically the school told me that the $7,800 loan is MY problem but it is giving my guardian bad credit. So who is responsible? Do I just have to worry about the federal loans and let my guardian deal with the other money? This situation keeps me from sleeping at night. I am in a bind and need acurate information if anyone is willing to help? Thanks!

Private Student Loan,No Credit Check,Co-signer if so and Full Deferal......? All of the above is what Iam looking for, all that is in the title. I looked all over yahoo and google I FOUND NOTHING. I have a co-signer and they did a credit check and denied me. I went through Astrive, Chase, National City, Alternative College Loan, and anything that went through TERI (loan provider that is on every site in small print on the bottom of the page). Im basically screwed if I cant find a loan company that will take a co-signer but with NO CREDIT CHECK, grace period after graduation payment option, and where the loan doesn't go through the school your attending it goes directly to you. FYI: I had loans before with the same co-signer but this time his credit messed up for a some months (21 to be exact). Because they said (loan companies) if you have 21 months of good credit then your approved. But when this month came his 21 went bad and we were denied. The man im talking about is my fiance. Please help me i need it for my tuition for the Fall (august 25)