What is the best way for someone without excellent credit to get a student loan for college.?
440425
First, apply for Federal Student Aid online at www.fafsa.ed.gov.  Stafford and Perkins, two of the loans that you might obtain upon filing the FAFSA require NO CREDIT CHECK. Your college Financial Aid administrator will use your FAFSA results to determine your eligibility for these funds. (Federal grant aid [Pell and SEOG] and non-loan Federal self-help aid [such as work-study] are also awarded without regard to a student's credit rating.)\n\nOnce you have exhausted your options for Federal Aid, look to your school for other types of funding. You would do yourself a disservice if you didn't go to your college for Financial Aid information! Plenty of schools have their own non-credit-based no-interest (or low-interest) loan programs.\n\nThere are non-federal (called "private" or "alternative") educational loans that you can borrow to supplement your federal aid package. You need to be very careful, because any loan that you can obtain without credit OR a cosigner will probably have a very high interest rate. Borrow conservatively.  First, try the first two loans listed below -- if your credit isn't horrible, or if you have a co-signer, you may be approved.  If you aren't approved or if you don't have a cosigner, try the latter two loans as a last resort (as the rates tend to be higher).
282483
Try getting a small signature loan through a credit union.  An unsecured loan has less stringent requirements for qualification.
684110
Have you looked into grants, like the Pell Grant, that you don't have to pay back? You have to have certain income guidelines. Get a good!counseor at the admissions at the college and they will go to bat for you. There is millions of dollars in untapped grants and scolarships that people don't use, alot from private donors, every year, going to waste. You can start on the internet and get on a reputible site, goggle "money for college", or go to the book store, they have several books on untapped loans, I bought one myself a few years back. Also work study programs at the universities are worth looking into. There is a goldmine out there! Are you the child of a Veteran by chance, that may be a route to go and look into. Good Luck!
1051819
One excellent website you might want to check out is fastweb.com.  This site a clearinghouse of scholarships offered by companies, schools and foundations.\n\nIn order to access their database you must first fill out a rather lengthy bio but it will be worth it in the end.  Be sure to include various ways to get in touch with you.\n\nAnother suggestion I have is begin looking into internships.  This a great way to get involved in a chosen profession and can lead to a paying gig to help pay for school.\n\nAs far as student loans are concerned, you will need to fill out the FAFSA, which is a federal student financial aid application.  This has to be done first in order for you to qualify for financial aid.  Most loans do not require you to begin paying them back until after school is ended, but they all have some kind of interest rate, otherwise they wouldn't be a loan.\n\nSome final advice try not to take out more in student loans then you really need because it really stinks to have pay them back.  Believe me I just started and I really miss that money every month I pay to my lender.\n\nGood luck and I hope I helped you.
119289
It is. Most institutions have crediters that they work through. The government also offers student loans. I believe that there are even programs offered for those with bad credit. The only way you for sure will not be able to get them is if you have defaulted on student loans before
796301
Hello there,\n\nYou still do have many options, but i would need to know more information in order to accurately give you a suggestion..\n\nYour in a situation that alot of students find themselves in these days with such high tuition rates..\n\nWhat i would have to do is take a closer look at your situation and then advise you from there..\n\nI work with Student Aid Lending, we are a nationwide title IV lender administered by the Department of Education... I would be happy to assist with your federal student loans... \n\nTake a look at my yahoo 360 profile.. There is alot of helpful information there for anyone to view.. You can also find the direct link to my website..\n\nhttp://360.yahoo.com/my_profile-hluduhmi...\n\nIt is actually a VERY SIMPLE process, it can be completed in 10 minutes over the phone and internet...\n\nFeel free to call or email me at any time.. Im available at all times to answer any questions or concerns you may have..\n\nI hope this helps!\n\nJason Fry\nStudent Aid Lending\n1-800-964-0642 ext 114\njasonf@StudentAidLending.com
522230
BarNone.  You can find more info at barnone.com\nYou can also call them at 1-800-BAR-NONE\nThey offer auto loans exclusively for people with less than perfect credit.
477779
You can get plenty of grants (if your income is low-enough) and you can get stafford loans which are not credit based. Although stafford loans aren't available to students at community colleges. You have to be pursuing a bachelor's degree at an accreditated university or college. Apply to take a few classes at a community college and then apply to a 4 year university for nursing you can get affordable school loans and get your RN. If you get your GPA high enough you can get plenty of scholarships and you won't need to get loans. Good luck! There's plenty of programs out there for you. You just have to search for them. I use http://www.fastweb.com/ as a free scholarship search. You just need to apply. They have tons of scholarships out there if you just apply there. Good luck!!
253772
You can't it's all a trick,I've tried them all. Go to a bank and apply for a loan even if you know you won't get approved. This is the only FREE credit report I've found. \nYou will receive a complete credit report from the bank!
1185896
Vist www.nelnet.net. Inquire on the Federal Stafford Loan. That's what I did. I'm 18 with no credit and no cosigner. Mostly everyone is approved.
49021
Try Advanced Credit Systems.\n\nVery reliable and great pricing!
62803
Do you have a bank that you have any accounts in?  if you do they may be willing to make you a small loan.  Everyone has to start somewhere.   (how can anyone ever get a loan if they didn't have credit?  think about it... Everyone had to have a "first" loan - it's from that point that you will establish if you are trust/creditworthy or not) so don't blow it.  Pay that loan when you do get it. \n\nIf you don't have a bank account - you may need to have a family member co-sign  the loan for you.  You need to be sure to pay the loan off on time and you will be on your way to building a great credit for your future.
333654
you can't get a loan. With little or no credit you'll have to work on your credit first. Working is a way. Don't apply for too many cards, store credit cards, credit cards such as visa.  If your cool with your parents, maybe have them co-sign or have them put you on one of their cards to help with your credit. But it takes up to 2 years to establish good credit. Trust me I know.!! : )
411317
go to your local bank and ask for info. a lot of places will give you a loan with bad credit. don't you ever watch television??
227217
Your best bet is probably to start with a secured line of credit.  These are credit cards, however you have to pay against the line of credit ahead of time.  This will allow the lender to give you a card to use and have the money available if you default.  Use the card wisely AND pay off your charges on time.  It'll go a long way to giving you a good credit history.\n\nAnother choice if you can't afford the upfront payment on the secured line of credit is to get a regular credit card and since you have no credit history be prepared to have an obscene interest rate.  Use that card wisely AND pay it off on time to prevent any interest charges.  After some time, you can apply for another card with a lower interest rate and chop up that higher card.  NOW THIS IS IMPORTANT...pay those cards off immediately.  Do not get trapped with revolving credit.\n\nYou can give yourself a decent credit rating in as little as a year or so as long as you always pay your debts on time.\n\nGood Luck
12932
Credit counselors probably would help.\n\nYou might find the book below to be useful.\n\nNow is the time to straighten out your problem before it becomes overwhelming!!
203674
Through the college.  Just go to, or call, the office and ask for the person who administers student loans.  There will be forms for you to complete and you will probably, but not always, need an in-person appointment.  Ask what their procedure is.