I am a current college student that is looking for a private student loan or any loan that is sent directly to me to take care of my apartment living. I filed my FAFSA and had the money sent to the school to take care of my tuition but need extra money for my apartment. I can't wait for my refund check to come in because they said it won't come till sep-oct. I'm looking for something that looks at a year instead of two year consistent work history because i left my old employer when i transfered school. My credit is good so i'm not worried about a credit check and would like something without a cosigner.