I have a bunkruptcy almost 2 years agos, Where can I get a student loan where it doesn't require a cosigner?
454442
I got student loans through my school. First I applied for financial aid through FAFSA and then I gave them my school info. Then on my schools' website there is a place that talks about financial aid and I clicked the link and it told me places/banks/financial institutions that loan money. All I did was fill out the Master Promissary Note and Whola!!! I have money for school. All I had to do was send some verification to my financial aid (W-2's for my husband and I and a copy of our tax return) and I was ready to go.\n\nYou can also look for scholarships at www.fastwebs.com
568469
Two 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\nIf you have "maxed out" your eligibility for Federal loans, there are private companies that will lend you money even if your credit is bad (which you're fixing, I hope?).  If you have a creditworthy cosigner then your credit won't matter much at all.  That's what cosigners are for -- their credit acts as a "stand in" for yours!\n\nFirst, review the huge list of private loan lenders on FinAid's website: http://www.finaid.org/loans/privatestudentloans.phtml ... Go to each lender's site and read the terms and credit criteria of their loans until you find one that focuses more on one of your credit strengths (job history, perhaps).  Be careful when searching online for companies that specifically claim to offer loans to people with bad credit (companies like Astrive are questionable because they bypass the school). Make sure the company has a good track record before you commit to a 10-30 year relationship with them
396203
go here there are lots of loan programs that may help you http://www.allsolutionsnetwork.com/cgi-bin/d.cgi/CB9051/no_down_loans.htm
443411
One day.  If you kept some payments on time throughout the Bankrupcy and have a decent credit score you can qualify for up to 100% financing.  Contact your local mortgage broker.  There are only a few banks that will do that so your rate won't be great.  I'm working on one of these loans right now.  They discharged in January and I'm getting them 100% financing.  After one year it gets much easier and your rates get better.  After two years you can get a mortgage just as easy as if you never went bankrupt in the first place.
887794
Hi, I'm Sean Toh from Singapore. You can get help from the following resources below. They provide unsecured loans. Let me empower you to a better education so that you will know what to do in the future.\n\nYours Sincerely\nSean Toh
280634
have you tried the LAW loan?\nhttp://www.salliemae.com/apply/borrowing/lawloans.html
260201
The Stafford loan. there are two types the Subsidized (is non interest bearing while in school and during the 6 month grace period), and the unsubsidized(gains interest while in school, but at a lower rate than when out of school. You can accept both if you are awarded them. They do not require a credit check either. They are Federal loans, and are awarded by filling out the FAFSA. www.FAFSA.ed.gov .  If you need some other loans and you are a dependent your parents could try the PLUS loan it is a Federal loan as well, but does require a credit check.
798183
You need to go to http://www.loanconsolidation.ed.gov/\nYou can consolidate the loans you defaulted on, and after you do that you will be eligible for aid again.  You can even take out new student loans.  The process takes several weeks, so you need to get started asap.  I promise you this is the truth, I had to help a friend do the same thing.  Good luck!
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.
399386
Looks like you would have to go to a family member if they won't because you are a welcher then you might find a institution that has loans for high risk bowerers, If that's not possible save your money and get a credit with a limit and re-build your credit it will take a few years good luck
63163
You should probably go to the fafsa.ed.gov website. From there, they have a link to the Direct Loans website. You may need to contact them to possibly see what they can do to help you. \n\nGoing into default on loans can have really bad consequences. So I urge you to check in with them to see.
135981
check with your local court house, county preferably.  if they do not carry the classes, or books they can direct you to a place that can, for instince where i am from in my county they have it at the local collage, highschool, state represenative office, library.  now some are free and some cost money, but for some that do cost, if you pass the test they give you a little bit of your money back and you dont pay much in the first place.
1059809
if you are looking to get money for school..try talking to the financial director at that particular school.  They should be able to help you with any type of federal aid that you qualify for..and at a better rate than you can get from any bank.  Plus you don't have to start paying on it til after you graduate.  But, if you are looking to build up your credit, visit your local loan officer, and try taking out some small loans..like $2000 or so, and make sure you always pay on time!!
230044
To get Stafford loans you have to first apply for federal aid (PELL Grant) by filling out a FAFSA (not FASFA) form. \n There are different types of Stafford loans and you can get both. Subsidised stafford loans are not charged interest untill you finish school. Unsubsidised Stafford loans start charging interest as soon as the school gets the money. To get an unsub loan you have to first be denied for a parent plus loan. Parent plus loans your parent signs and has to start paying on the loan I think 6 months after the school gets the money.\n Each stafford loan you get you will have to start paying on six months after you stop atending college. If you go 4 years and get a loan each year you will have to pay on ALL 4 at the same time. There may be ways to combine the loan payments later but I'm not sure about how.
155002
Just check the nursing school and you also can probably get a regular school loan
990232
Try this website. My friend got a loan from there. Its like the ebay of loans.\nProsper.com
678236
The first thing I would do is try to get social security to pay for more of your medical bills. You may need a lawyer to get this but maybe not. Check their web site to see what they say about coverage through Medicare.\nContact your local social services through the county of your residence and see if they have a medicade program where they can offset some of your medical bills. These services that they provide are always qualified by expenses that you pay not just on income. \n\nSecondly, if all else fails you can get student loans through financial institutions that do college loans just for students like Federal Perkins Loans or Subsidized Stafford loans. They can be contacted and negotiated right through the college. The federal and subsidized ones are much easier to get and virtually undeniably cheaper to pay off. \n\nThere are other commercial lenders like "Goal Financial, LLC undergraduate division" tel #1-800-219-8808 or "Student Loan Express (for parents to get the loan regardless of income) tel #1-866-823-5287.\n\nI have just gone through this myself and found that when I spoke with the admissions people at the colleges, they were very helpful and started becoming very creative.\n(no I don't work for these people nor am I affiliated in any way - just trying to give specifics, I don't even know how well these people work. I'm just trying to do my best for you here)\n\nLastly and least attractive is a second mortgage on your residence of you own your own home. But interest rates on second mortgages are dangerous especially in your situation. \n\nBTW. I agree with the other post that a 2 year community college may be the way to go to start. Your son can always transfer later and get his 4 year degree from a great college after without having to pay or owe through the nose for the first two years.\n\nBest of luck to you and your son.