I had sallie mae and a teri based loan from act education, but for some reason those two places will not approve this year. It might be an income-debt ratio problem. But I need a loan that will approve anyone. This loan must be non-certified as my school , seems to think the cost of attendance is low. Other places do not accept my school, which is is NY (Sullivan County Community College). I have financial aid but need additional monies. Any help is greatly appreciated.