Federal loans (such as the Stafford loan) are not based on your credit history. You will not need a co-signer, or good credit. With private loans there is no way around needing a good credit history.
Here is more input and advice:
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* There really is no private lender that will approve you without credit history or a co-signer. The only sure thing is to get a credit card and use it responsibly for a year or two. That is, until the government cleans up it's federal aid system so it works for everyone. * It depends that how good you are in your education how efficient enough you can proof your self to get a loan of any type. Federal students loan and private students loan offers various advantages. You will not need any cosigner if you have good academic record.
It is very hard to obtain a private loan without credit or a co-signer. If you have collateral such as a vehicle/boat, then you may be able to obtain a secured loan from a credit union. Try building credit with a secured card or a student visa with a low limit before attempting to get a loan.
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Answers from several contributors:
* Have you talked to your admissions officer? Are you a single mom? There are a lot of government help that you might want to look into. == == == == * Find a cosigner with good credit in order to get a student loan. == == * try calling a loan officer to find out for sure. sometimes they can make it work and sometimes the loan can't be worked out and it is then trashed. == == * See your financial aid counselor at the institution that you are attending. Also try salliemae.com. * Have you tried Sallie Mae? == == * When I got mine I 1) signed up at fafsa."something" and while filling it out I was asked if I would be interested in loans as well as the Pell grant that I signed up for. Try fafsa.gov or .edu == == * It's safe to say that it is a basic fact than many, if not most, applicants/ students have no credit history or that they have a bad credit history. Then, of course, there are those applicants/students who exhibit financial responsibility and fiscal abilities that would shame a banker. Some students need not worry about credit at all because of their family's financial status or because they are on some sort of academic, athletic or other type of scholarship. * There's a plethora of private and public scholarship locators available to match a wannabe student with a cornucopia of financial assistance options. The schools themselves offer US Government PELL grants and locally funded special scholarships endowed by alumni, businesses, local citizens to not a small percentage of applicants/students. * [Aside: When I attended Ole Miss, most of my education was paid for by myself using Federally Guaranteed (i.e. follow you to your grave if you don't repay them in full)Student Loans. However, I also received a local alumna's $300 per semester scholarship which required no repayment at all and was available each following semester if a required GPA was maintained. Good ol' Miss (no pun intended) Annie S. Tillman of Panther Burn, Mississippi, had majored in and taught English at Ole Miss and she wanted others like me to follow her lead. Thanks, Miss Annie.} * Don't dismiss the possibility of attending a Junior/Community College(J/CC) for your first two years or so of the pursuit of your degree. Staying and eating at home while attending J/CC allows you to work and save money to augment any scholarship or other types of financial assistance.
(FAFSA). The FAFSA is used to apply for all types of federal student aid and serves as your application for the Stafford loan program as well. If you qualify for grants, they help with this too. Both my sons have used this program.
There are other lenders out there...if this doesn't work...just Google student loans... just stick with names you have heard before.
Good Luck!
I dont think so. I actually am the one that posted the question but i do have a partial answere--myrichunccle.com was able to give only $5000 rates are sky high though but they did it with no credit history
It is possible to obtain a Student Loan without a Cosigner if you apply through a Government Loan Program. One such Program is the Stafford Loans. You do not need an Income or Credit History to receive a loan.
Yes, there are a number of student loan options for those who can't get anyone to cosign and those who have bad credit. One option is a federal loan.
Yes if you are a US Citizen you may get a loan without a cosigner. However, your % will be higher in terms of interest. As a result it is best to have a cosigner.
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SOMEONE THATS HAS A JOB.
Government student loans. Some companies also offer contracts to those with bad credit, but the interest is much much higher.
If you are getting a Federal Student Loan credit is not an issues. I just got a Federal Student loan and my credit is BAD!!! The thing is, is that it's a Federal Loan so you will always owe that money, even if you claim chapter 7 or 13. I was worried about that too, but I got one just fine.
you cant
Yes.
Yes, you can get a 30,000 from your father.
not if you make your payments like you should a cosigner is only called upon if you default on your loan
If you need a cosigner for the loan because of bad credit, it means you can't afford the car.
yes no maybe so depends on bad your credit actually is
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NO