How does a college student get a good loan with no cosigner or much credit?
86247
Try FAFSA, and sometimes states have loan help too.  Also, I am not an expert but what about any other of your relatives.
312490
If you can, try applying with a co-signer -- even if your lender approves you on your own, they might give you a lower rate just for having a co-signer (example: Sallie Mae).\n\nFor private educational loans, consider the following loans/companies:\n\nSallie Mae Signature Loan: http://www.salliemae.com\nCitibank CitiAssist Loan: http://www.studentloan.com\nBank of America Private Loan: http://www.bankofamerica.com/studentbanking/index.cfm?template=stb_bac_loans\nWells Fargo Collegiate Loan: https://www.wellsfargo.com/wf/student/loans/undergrad/collegiate\nCitizens Bank Undergrad Loans: http://www.citizensbank.com/pf/studentloans/applications/undergraduateloan.aspx [May be harder to qualify for w/o a cosigner.]\nAccess Group Private Loans: http://www.accessgroup.org/loan_terms/General/Eligibility/General_Eligibility.htm?Template=General_EligibilityInfo.htm\nCampus Door: http://www.campusdoor.com [more of a last resort, though they have been known to approve younger students with super-short credit histories]
870197
I had really crappy credit and was able to get a student loan.\nStudent loans aren't the same as bank loans, you fill them out along with your federal grant application and they base the award on factors like what year you are in, if you've progressed since the last loan (so you can't be a freshman for five years), if you're making acceptable grades (C average) and your need.\n\nSign up for everything, grants, work study and loans so the loans will be the smallest award since the others will cover the rest of it - and you will have less debt in the end.\n\nAnd turn your car in and cut your losses.
1169534
Odds are pretty good that no reputable institution is going to let a non-related party co-sign for you.  And anyone that doesn't know you well enough to know if you're good for it isn't going to do it for any price.\n\nYour best bet is to learn to live on cash.  You can also get a secured credit card that is a legitimate card without outrageous fees and interest rates at some banks and other institutions.\n\nThey work like this - you make a deposit of cash, and they give you a credit line equal to your deposit.  As you make regular payments, they start to increase your credit line, and after a while they also release your deposit/security.\n\nIt's the best honest way to start a credit history.\n\nAlso you can easily get a car loan IF you have a good sized down payment.\n\nAs others have suggested, credit is a very risk thing for someone who doesn't already have a good handle on cash management.  If you're struggling now (and I understand personallly how hard being a single parent can be), then getting a credit card is only likely to make your situation a lot worse.\n\nTrust me, learn to manage on cash for a few years first.  Then you can think about it.
943821
The only way that you can is to have a cosigner (i.e. mom dad, bro or sis) I don't know of any bank that will loan to someone without proof of income.
787123
1. You don;t have to if:\n- you get enough money\n- you don't want to attend this school\n\nUsually the school will offer loan for its students (the loan can come from school finance, or goverment, or some companies, banks..).  If not, you're still able to appy loan from  banks and/or goverment.\n\nThe process is very simple, everything you'd need is your information (social number, birthday, the shcool you're attending,...) and signature for the promissory note that prove you will pay back after graduation some years.\n\nBut the contacts are varied, so for sure you should read very carefully to have right decision.
297005
Your college or university usually has affiliations with lenders that can help you with a Stafford Subsidized or Unsubsidized loans.  They're awesome - you have to remain at least part time in school and they will cover you - the only thing is once you graduate you have to start paying it back or (if you're unemployed) a forebearance until you get back on your feet. But do it quickly, interest rates are going up on July 1st.
986035
there are many different loan opportunities out there. you just have to do your research and see who's willing to accept your loan request. you may need someone to co sign with you so look into that too.
756274
I would recommend that you do NOT get a credit card if you're in college, unless you have a steady income to pay it off.  If you insist (and don't say I didn't warn you), you want a 25 day grace period to pay, no fee to join, no fees ever, a cash back (1%), the ability to pay the bill online, and an interest rate of <12%.\n\nyou will get it in 1 - 2 weeks after you're approved.  Don't apply for more than 1, it affects your credit score.
1087353
apply for a subsidized or unsubsidized loan or both through financial aid at your school. There is not a credit check or anything, just apply before the deadline, go through a brief orientation and sign a promissary notice. You can also find out about workstudy and scholarships. Here is a link below to explain to you about the loans I mentioned to you above.\n\n\nhttp://www.michigan.gov/mistudentaid/0,1607,7-128-4221-8419--F,00.html
866615
Most student loans (unless they are private) require no co-signer. There are several different deferrments based on your income, employment status, school status, etc. Jue research "student loans"..your local banks can probably help. You will need to fill out the FAFSA and the school has different lendors they work with..just pick one
1089054
It depends on the type of loan (Federal, state, private, or institutional).\n\nTwo of the major Federal Student loan programs -- Stafford and Perkins -- are unique in that they require absolutely NO credit check. In fact, Financial Aid Administrators are forbidden from checking your credit as a condition for receiving these loans. You don't even need to show financial need to obtain an Unsubsidized Stafford Loan -- as long as your school is accredited, you are enrolled at least half-time as a regular student, and your other financial aid doesn't exceed your Cost of Attendance, you will be offered a Stafford Loan. \n\nThe Federal PLUS loan program does require the borrower to undergo a credit check, but it is usually a fairly "shallow" check. Most PLUS lenders just want to see that you haven't defaulted on any other student loans.\n\nLenders of private loans will perform a credit check and, if your credit is bad, you may be denied for a loan through them. However, if your credit is less-than-perfect, you can apply with a co-signer and their credit will act as a sort of "stand in" for yours. (Some borrowers have a tough time getting a friend or family member to co-sign their loan, since, technically, the cosigner is responsible for the loan payments if you aren't good about keeping up with your payments. However, you can seek out a loan that offers a "cosigner release" so that, once you've made a certain number of payments on-time [36 or 48, typically], your co-signer will be let "off the hook.")\n\nEvery company will have slightly different credit criteria, so you might get approved for a loan at one company but denied with another. If you're interested in learning more about the various lenders' credit criteria, start with the list of private loan lenders on FinAid's website: http://www.finaid.org/loans/privatestudentloans.phtml . You can go to each lender's site and read the terms and credit criteria of their loans until you find one that's right for you.
478444
If you have a bank account-depending how long you've had it and if you have a job(employment) go to the same bank and apply for the loan.  Since this is a small amount and you can afford payments of approx 100. per month--maybe less but only the Loan Officer at your bank can tell you-that is your best bet to get the loan and  you're also establishing good solid credit by paying off a bank loan. Whatever you do-do not get the loan from anyone where you'll have a high finance charge.  Talk to your bank and even if for some reason they can't they can advise if you can get loan and what to avoid doing--if you've applied bring proof and show to bank officer, bring all paperwork that shows you're here legally.  Good Luck
64835
Apply for a gsl (guarnteed student loan)\n\nIt's not a crazy amount of money but it helps if you want to do work study too, some of the money comes out towards your loans and some goes cash in hand\n\nTheir are always loopholes around it, My parents didn't have the credit either and I went to financial aid office and they sent me in the right direction and my loans were in my name without a cosigner....Don't know if that helps but goodluck to ya
938530
If you have credit without bad mark on it I am sure you can get a loan from a private source(bank or person).  Also depending on how much you need you maybe able to use other options like credit cards.
1161408
Your loan agency (the government, or a private institution) will distribute the money to your college, usually about 4 weeks after your semester has begun (for a full length semester).\n\nThe school will then use the money to pay off any outstanding debts you have (for classes, for registration, for tech fees, etc.).\n\nMoney that is left over, will be given to you in the form of a check, about 2 weeks after that. \n\nYou then have the option of either returning it to your loan agency (so you won't owe more later, and so you don't reach your loan limit before you have finished your degree)...\nOr cashing it and sending part of the money back to the loan agency (same reasons as above, plus building up a good line of credit, showing you pay your debts)...\nOr cashing it and either spending or saving it.\n\nI suggest using what you need for books, then sending the rest back to the loan agency, or depositing it into a bank account that will give you interest. Keep this money separate from the rest of your spending cash or it will soon dissapear, and remember, you always pay interest so you always end up having to pay back more than you borrowed (which is why I returned the checks, uncashed, to the government, my first two semesters in college).\n\nBy the time you get to your last 1.5 years, try saving all the money...because 6 months after graduation, you have to start making large payments to the loan agency, and if you don't have a good job, you won't have the money on hand...so save their money and pay them back with it!
473707
you need someone to co-sign for you a small loan at the bank. That will start your credit. As long as you pay it on time every time then you'll have good credit.