does anyone know of any loans for people with bad credit with no cosigners for college students?
ibonner32 asked:
I am a college student with a high past due bill. I can’t go back until it’s paid. Just wondering if anyone knows of a program or loans for people with very bad credit.
I am a college student with a high past due bill. I can’t go back until it’s paid. Just wondering if anyone knows of a program or loans for people with very bad credit.
Usually student loans are very lax on requirements. I have very bad credit and had no issues getting loans w/o a co-signer. Mine are through wachovia.
Having bad credit just means that you can’t get a private loan. But private loans are bad anyways because they have high interest rates.
The best type of loan for you to get is a federal government loan. Here’s what you need to do to get one:
1) Fill out the FAFSA. This will determine if you are eligible for financial aid. Go here:
2) Once you are eligible for aid, choose a government-based student loan. The best loan to get is a Federal Perkins Loan. These have low interest rates and the government will help you pay it back as long as you stay enrolled in school. You also don’t need a cosigner or good credit for it. For more info go here:
3) The next best loan to get is a Subsidized Stafford Loan. This has many of the same benefits as a Perkins Loan. Learn more here:
You can also try to get a grant or scholarship, which is free money that you won’t have to pay back. You can read about them here:
And here are some good sites to check out:
Good luck!
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