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The Private College Loan Possibilities to You

You have no doubt found out that a federal loan does not cover every one of the expenses associated with a college schooling. There are a multitude of charges involved, like journey, rent, food, study books, clothing as well as your funds may run out there. You need to find a lot more money and the time has arrived at consider a private university loan. Unlike federal lending options which are funded by the federal government, a private school loan is funded through private financial institutions such as banks, trusts and private organizations.

Just like any other private loan, a low interest personal college loan will be just be approved if you have taken care of a reasonable credit score. Creating a bad credit score or even no credit score doesn’t imply you will not be able to get a personal college loan. Private financial loans are unsecured, which means no assets are attached to the loan as security. In many cases financial institutions may still lend money with a student with a poor credit score, but with a much higher interest rate there will be higher charges associated with the loan.

Taking out a personal college loan with a credit worthy co-signer is definitely worth considering as doing so can entice a much lower rate of interest. Not only will interest rates end up being lower with a credit worthy co-signer, in many cases the fees associated with the loan will also be reduce. A credit worthy co-signor doesn’t need to be a family member it’s rather a friend or guardian.

It is a good idea to search around when looking for a personal college loan as many financial institutions will base the eye rate of the loan on the subject being studied. Including the financial institution lending the money might consider a health-related student less of a economic risk than a school of thought student. In their eyes the medical student need to continue on to become a doctor and earn a good income making them prone to repay a loan without having defaulting.

It is quite possible that your school has arranged low interest rate lending options with various financial institutions. Request your school’s school funding counselor if this is the case first, before you start your own personal search for a private school loan. Next use the internet to check on whether the college provides private loans accessible.

Use the internet to search for a low interest private university loan from the many finance institutions. Each bank, credit union or private loaning organization will have financial loans tailored to suit various different study options. Along with low interest rates and favorable repayment terms, look out for lenders that offer rewards with regard to prompt repayments because you can be able to reduce the interest on your loan after a couple of years of prompt repayments.

Comments: 118

  1. Jacque April 11, 2013 at 1:21 am Reply

    My elder brother bought a car with cash even though he had an option to buy it with the loan. But now, he wants me to pay for all house expenses for 6 months.(he was paying one-thrid of it before). He said he used all his saving into the car and wanted to save all his future paychecks. I made a little more income than what he does. But I need to save up to pay off my private college loans. I think he should be responsible for what he spent and he should still contribute some to the house expenses instead of me paying the whole. I am a younger sister after all. Does it really fair for me to pay all? What do you guys think? Thanks.

  2. Jinny April 26, 2013 at 5:00 am Reply

    I messed up last semester at college, got my financial aid suspended. I know my faults you don’t have to tell me twice. Does anyone know a good place where I can get a private loan for college?

  3. Maxima July 8, 2013 at 1:30 am Reply

    i mean does this mean that she/he cant get a loan for them selfs or would there credit go down or something? …wat are they risking other than being in charge if i don pay the money????? please help

  4. Keven July 11, 2013 at 6:56 pm Reply

    When a loan company says they will cover your expenses UP TO COST OF ATTENDANCE (minus other aid), what exactly do they mean? Does cost of attendance include Room & Board etc…?


  5. Rod July 17, 2013 at 5:14 am Reply

    I have applied for financial aid (FAFSA) maybe a total of 6 times. I have been denied every single time. I’ve lived independently on my own since I was 18 and my parents are unable to help me with school costs because they have bills of their own. I always get denied because I have to give my parent’s information and they make “too much” money according to FAFSA. I’m paying for my education myself and it’s making it a struggle to survive. I’ve tried for student loans from banks and stuff but I don’t have much credit and the credit I do have isn’t that great. I’ve asked multiple family members to cosign for me but no luck. I just need advice that will lead me to opportunities. I’m running low on funds and school is my life. Any help will be greatly appreciated.
    And for all the rude and disrespectful people who decide to say rude things about my situation I HAVE HAD A JOB SINCE I WAS 16! I’ve been saving for my education for a long time but college is expensive. Please don’t be rude.

  6. Thomasena August 9, 2013 at 1:42 am Reply

    I want to apply for a student loan to help with living expenses. However, there are several things I do not understand.
    1.I have had bad credit in the past and now I am fixing it. Can I still be eligible for a student loan?
    2.What is the best student loan to look at if I’m looking to use it for living expenses?

  7. Elizebeth August 10, 2013 at 5:21 am Reply

    I am a recent college graduate with a relatively new job. I’ve made some bad decisions in the past, but now I have an “excellent” credit score. I would like to pay off one of my private college loans as quickly as possible because it carries a high interest rate (about 15%). I do not qualify for refinancing for the total loan amount through my credit union — I was wondering if taking out smaller loans (of 10% of the principle of the student loan, each carrying a much lower interest rate of 7%-8%), one after another, would have a negative affect on my credit score (ie. lowering the average life of lines of credit/loans in my credit history; which at the present is at 7 years).

  8. Carman August 13, 2013 at 6:57 pm Reply

    My school and my financial aid package has already given me the max amount and my mom tried to apply for the parent PLUS loan, got denied but we still received the $4000. I only need to borrow $4000, $2000 for this semester and $2000 for the spring semester. I’m not able to register for my spring semester until I get my remaining balance down. My parents have horrible credit so they highly doubt they’ll be able to take out a loan for me or cosign one. Are there any private loans that don’t require a cosigner.
    Also, how do I build credit. I have no credit card and at the moment no job but I really want to stay at this school and I only need $2000 for this semester

  9. Marian August 19, 2013 at 1:25 am Reply

    So to get housing that goes through my college tuition i need to take out a private loan, ie. Sallie Mae and various banks, but here comes the problem i don’t believe i have an established credit and both of my parents credit is not good.I really need to live closer to the city for school before winter because commuting is killing me literally. Does anybody know wherever how i can still get these loans under the unfortunate circumstances i am under i believe i already have federal Stafford loans and various grants but they do no cover my housing. Anyone got any ideas?

  10. Sonja August 29, 2013 at 12:23 am Reply

    some are federal and some are private college loans, THE BILLS ARE MORE THEN I MAKE… they are talking 500 for one 400 for the other and 100 for the third. i can’t afford these, i simply don’t make that kind of money to pay them all….who do i speak with, the lenders dont seem to care?

  11. Normand September 1, 2013 at 11:12 pm Reply

    i want to go to stanford university and do they have it

  12. Brett September 18, 2013 at 6:46 pm Reply

    I’m a senior. For the past 3 years, I’ve gotten Astrive Loans with my mom as my cosigner. (She has great credit.) In the past year, I’ve let my credit go to crap. Currently, Astrive is not taking loan applications as they revamp their website. Is there anyone else that approves people easily?
    Should I just wait and go with astrive?

    Please don’t refer me to federal student loans, that is not what I am looking for. I’m looking for a private lender who approves people easily.

  13. Stacee September 27, 2013 at 5:15 pm Reply

    i am attending a university next year with an annual cost of about 15,000. i havent received my financial aid awards yet, but i am not sure if i will receive enough. if i dont what are some good private college lenders? i have heard of astrive and was wondering if they were any good. what are the best in youre opinions? any answer would be appreciated.
    my mistake i am not going to a private university. i am looking for a loan from a private loan company. sorry for the mixup

  14. Willetta September 29, 2013 at 2:54 am Reply

    Sallie Mae won’t help me out at all, and I’m having a real hard time just paying for community college. My cosigner has good credit, just has cosigned on too many of my brother’s loans. I really need to pay this semester off and I don’t know what to do.
    I’ve exhausted my federal options yet there is still about $4000 left for me to pay, and a private student loan is really my only option if I could get one!

  15. Orval October 1, 2013 at 11:40 am Reply

    After I graduate I’ll be almost $200,000 in debt. The first payment is due shortly after I graduate, but I’m afraid won’t be able to make the payments right away (like, I need a few years to get my career started up and all. I need some stability first)…

    Will they send me to jail? If so, how fast? How many payments do I have to miss? …. If not, what will they do?

    Also, if they decide to sue me for the amount I owe, what if I can’t pay that either?

    I’m scared.

  16. Son October 1, 2013 at 11:51 am Reply

    I’m going to school out of state this fall so I wanted to establish some credit.

    I just applied for the ING Orange Checking account, in which they did a “hard credit pull”, so I obviously got declined because I have never had any credit or credit pulls. (I know this hurts my future credit so I don’t want to try for that again for a while.)

    I currently have a Wells Fargo College Checking account, and they have already been offering me a credit card…but since I still need to apply for a private college loan this upcoming week(asking parents to co-sign for that), I’m not sure which I should apply to first.

  17. Florentina October 10, 2013 at 10:38 am Reply

    I am a approaching my junior year at Eastern Michigan University. I am going into finance and have some good connections into the field in Chicago. The biggest problem for me is the large amount of college debt I have taken on-mostly from private college loans with less than great interest rates.

    I had a bad back injury last year that required surgery, and it all happened at an unfortunete time where I had no health insurance. The only option I had was to take out a college private loan and pay for the surgery. All together I figure I will be about $80,000 in debt when im out of school. I know I have time to pay this off, still worried though.

  18. Mike October 16, 2013 at 11:23 pm Reply

    Need to know what are my odds of getting a private college loan with no co signer. If I get a co signer and their score is also in the 500 what’s the odds of getting a loan? Also if anyone had this same problem and was able to get loan please let me know what bank it was. What is the best bank to get a loan from with a credit score in the 500s?

  19. Delorse October 28, 2013 at 4:15 pm Reply

    (because of the N/A and Unrated). I want to apply for private school loans, no co-signer (already exhausted federal, etc). How do you think I will fare?

  20. Glayds November 21, 2013 at 9:56 pm Reply

    I have 18K/ yr from the gov’t for loan repayment and should continue to get this until all of my loans are paid. I need advice on how to divvy up my money to make the best of my yearly award.
    I have 64K in state student loans at 8% interest.
    Mo payment $700
    I have another 45K in federal loans at about 5% interest.
    Mo payment $175
    I have one more at 7K in a private school loan at 9% interest. Mo payment $75

    I can use the money any way I like to pay these loans. I would like to divvy the $ up into 12 monthly payments in amounts that would get me out of debt the fastest.

    Paying it down in one lump sum would not exclude me from still having to make monthly payments, which would then have to come out of my pocket. My goal is to allow this gov’t benefit to pay off my loans.

    How much $ should I send in to each lender per month for the greatest benefit?

  21. Son November 24, 2013 at 12:46 am Reply

    I’m planning to got to college this fall but my search with scholarships hasn’t been productive. I was wondering If you can get a loan for like 5000 dollars for like the first year in college and as I have that money I search for scholarships during that time.
    P.S. Can someone explain how student loans work thnx

  22. Annis November 26, 2013 at 3:31 pm Reply

    Federal loans and even most private law school loans that I have seen only offer aid available up to “the cost of attendance,” or whatever the law school says… Where can I borrow as much as I need with no limits???

  23. Ignacio November 26, 2013 at 10:21 pm Reply

    I just got approved for $2100. I’m going back full time, I’m starting in the summer semester. My classes should only cost about $650 plus books and stuff. ( that’s 3 classes, 3 credit hours each, at about $70 a credit hour) Can I use the rest for rent and bills or is this the only money I’m going to get? Do I have to save it for the rest of the year? Do they give pell semester by semester or what? I have no idea how it all works. I could really use it for my car payment and rent, I’m totally screwed finacially right now but I don’t want to screw myself up for next semester. Do they cut you a check at the beginning of the semester or is it held in an account? Will someone please tell me how the deal works?! thank you in advance! 10 points to the most informative answer!
    Is financial aid different from pell? Can you get both? how does that work? How much is the most one could possibly get of each?
    Kelly, I’m so sorry! I accidently gave you a thumbs down! I meant to hit thumbs up! I’m stressing and it’s got me flaking out bad today! I’m sorry! You answer is great!

  24. Samatha December 2, 2013 at 5:03 am Reply

    I will be moving out on my own soon. I only have about 4,000 dollars saved away. I want to get an apartment on my own, looking at about 600 a month, for a decent one. I need to buy all my own furniture still. My parents cannot afford to help me, so I’m doing this all on my own. Still have 2 years to finish my BA.

    HOW does anyone afford all this? I want to go to to school full-time and MAYBE work part-time but I’ve been trying to calculate my expenses and I’m guessing I’ll need about 1,000 a month to live. Thats a LOT of money!

    Do student loans help cover some of this? I need advice from people whom have been there…especially those whom have had to do it alone with little money. How did you ever make it through college? What was your plan?

  25. Idalia December 2, 2013 at 9:07 pm Reply

    After I graduate I’ll be almost $200,000 in debt. The first payment is due shortly after I graduate, but I’m afraid won’t be able to make the payments right away (like, I need a few years to get my career started up and all. I need some stability first)…

    Will they send me to jail? If so, how fast? How many payments do I have to miss? …. If not, what will they do?

    Also, if they decide to sue me for the amount I owe, what if I can’t pay that either?

    I’m scared.

  26. Stacy December 3, 2013 at 10:07 pm Reply

    Are there any college loans available which do NOT require a cosigner if you are unemployed? Thank you!
    I have work experience.. and I’ve had a credit card for 2 years so doesn’t that mean I have a credit score?

  27. Merrill December 5, 2013 at 4:22 pm Reply

    I was wondering if FASFA would pay for my room and board if I were to move to another state and apply to community college? Becuz I would be renting my own room. And how much they willing to cover for my tuition and everything.. I am very lost about will tehy pay all the cost of my room and board, or they just cover the tuition part?

  28. Ethan December 7, 2013 at 9:30 am Reply

    SO my private school university increased their tuition and I maxed out on my federal student loan for the semester therefore I have a balance of 2,020 dollars. I work making 10.50 per hour 40 hour shifts so 21,000 year or so. Which banks will allow me to take out a loan with them given the my employment also without a cosigner

    I tried Apple Federal Credit Union and they require an income of 2100

  29. Towanda December 8, 2013 at 5:23 am Reply

    I took two large private college loans and the consolidation companies won’t consolidate because they’re not “federal” loans. They’re Nellie Mae and Key Bank college loans. anyone With any idea how I can lock in somewhere at a low interest rate while paying?

  30. Christian December 8, 2013 at 8:41 pm Reply

    I’m in a bit of a situation, where my resources have run dry. I was offered a grant for the last semester, but was too stupid to take it, because I had enough to pay my own way through school. Now I’m completely tied because my budget ran out and the company I worked for went bankrupt. I need to take out a private loan (the next federal loans wont be available till next semester) to help me make ends meet at least till I can get fafsa in the fall. Who offers the best loans with decent interest? I have little to no credit, and don’t have a single co-signer. Someone please help. I’m seriously almost at a breaking point if I don’t make ends meet. Any help would be sooooo appreciated.

  31. Florentina December 15, 2013 at 5:14 pm Reply

    My son has applied to several colleges and has been visiting them.
    I’m pushing a NY state school as we get a great deal with a wonderful education.
    My son and my wife say I’m I’ve got it all wrong and where he goes is more important then the money it will cost. I’ve told the tow of them if he goes to a private school the loans will be big- but they say that all I care about is money. . He is going to school for sports managment. It seems I can’t even give my point of view without being shot down. At this point should I let the chips fall where they will and hope for the best. If loans are taken- we will be reponsible for 1/2 and he for the other other 1/2.

  32. Hung December 19, 2013 at 1:59 am Reply

    I’m going to be attending a private Christian college in the fall and am having a hard time finding banks that will loan to the college. The college is Pensacola Christian college and is in Pensacola, FL. I have filled out a couple of scholarships. This college does not have financial aid. Anything ya’ll can think of would be helpful. Thanks so much!

  33. Jerry December 20, 2013 at 7:05 am Reply

    I have bad credit but going to a private school. Where can I get a private loan w/ no cosigner? my parents have bad credit too now with this economy and were both laid off. is there anywhere i can go to get one? help!

  34. Lupe December 20, 2013 at 5:42 pm Reply

    Obama is proposing a cap on college loan payments at 10% of income(income based),would anyone know if this is for stafford/private college loans or just for federal loans

  35. Yetta December 21, 2013 at 4:45 pm Reply

    I really don’t feel like explaining so I’ll just have you know that I live in a home where the income is too low to afford college (especially a private one), but I don’t qualify for financial aid.

    I’ll be a senior in high school in the fall, so I’ll be going to college in fall of 2010. I don’t get any academic scholarships because my grades suck. The college I’m looking at is private, not very competitive, but ridiculously expensive.

    I’ll be 18, but I don’t have any credit…. In order to go to this college (of my dreams) I’m going to need a loan of at least $30,000. I’ll worry about paying it back after I graduate.

    Does anyone know if it’s possible? To get a private college loan of $30,000? If so, where from and how do I apply?


  36. Brittaney December 21, 2013 at 4:57 pm Reply

    I will take ON Line College in about 3 weeks,I am already enrolled and was approved of the Pell Grant and Federal Loans.Is there anything else I could apply for,(besides Scholarships) that would help me with the expenses for college? The Loans I applied for cover the College Tuition, but nothing else I may be in need of.School materials or supplies if needed. I’ve heard of people going to on line colleges and receive payment for going to college as long as they don’t fall below a “C” in their grades. Is there such an option? and where would I be able to apply for such loan?

  37. Joycelyn December 21, 2013 at 7:14 pm Reply

    Can you receive a school loan either from the government or private authorities if you are just an online student?

  38. Constance December 23, 2013 at 4:19 am Reply

    Is it Comcast, AT&T Mobile Service, DELL, Chase Credit Cards, or ACS
    Private College Loan, or the V.A. Tiger Team who investigates claims from veterans of our country’s war. Be objective and give an example.

  39. Felton December 23, 2013 at 6:33 am Reply

    I want to go to a private high school, but that might not be possible if we can’t get aid. What is the tuittion assistance income cut off probably going to be with most schools, my dad makes enough for us to live comfortably (around 100,000) without my mom working, but it seems like ppl who go to private school are RICH so maybe we WOULD qualify. Do U think so?

  40. Maxwell December 23, 2013 at 6:35 am Reply

    I am transferring from one private school in Iowa to a state school in Illinois.Will i have to begin to pay those student loans?

  41. Porsche December 24, 2013 at 5:16 am Reply

    I heard you have better chances of getting a scholarship if you attend public school, because if you attended private school, then they know you have money. What’s true?

  42. Johnna December 27, 2013 at 10:12 pm Reply

    i desperately need a cosigner for a private college loan, what institution is best for me? i already have fafsa loans….How does everyone get loans but i cant…… help please

  43. Jerrod December 27, 2013 at 11:24 pm Reply

    I would like to know if there are loans that are like the Federal Stafford Loan? (NO credit check) One that also works with private schools?

  44. Sara December 28, 2013 at 5:34 am Reply

    I’m in college with low income and one year of perfect credit. It’s my second year and I need a loan.

  45. Caleb December 30, 2013 at 2:06 am Reply

    Are there any ways to obtain a private school loan through a reliable and trustworthy source during these difficult financial times? I know it is kind of a crazy question, but I am going to need this small loan ($4000) for the next fall semester. I am only eligible for a private loan as well.

  46. Noe December 31, 2013 at 9:37 pm Reply

    Is there a place in canada where you can get a student loan if you have bad credit??????

  47. Herman January 3, 2014 at 12:01 am Reply

    Is the parent or the student responsible for paying student loans?

    I am in a huge bind. I am $15,000 in debt for ONE semester at a private college. I had to leave b/c my guardian stopped paying with out my knowledge.

    I/my guardian took out Federal Loans witch do not have to be paid back until I stop going to school (I am enrolled now in a community college). But I still have about $7,800 that the private college loaned me out. They are charging me 18.9% each month – which is ABSURD.

    I am living with a another family member and my guardian who got me into this mess isn’t making an effort to pay the private college back.

    Basically the school told me that the $7,800 loan is MY problem but it is giving my guardian bad credit.

    So who is responsible? Do I just have to worry about the federal loans and let my guardian deal with the other money? This situation keeps me from sleeping at night. I am in a bind and need acurate information if anyone is willing to help? Thanks!

  48. Larry January 3, 2014 at 12:39 pm Reply

    I’m looking to getting into a private school for the LVN program anytime soon, and I was wondering what would a be a good school to enter? Even better is there anyone that knows a private school that offers financial aid? Not loan. I’d appreciate it, thank you so much!

  49. Virgil January 3, 2014 at 11:15 pm Reply

    I’m planning to apply for SNAP food stamps, but it asks me if I have any unearned income, I was wondering if I should put down how much student loans I am receiving (that are not federal, but private)? It will affect food stamp eligibility if it does.

    Do private or federal school student loans affect food stamp eligibility? Thanks!
    I’m paying rent for off-campus housing, my college doesn’t have any dorms on-campus, so we’re forced to live in private apartments

  50. Daren January 4, 2014 at 5:57 am Reply

    I have to take out private loans in addition to federal aid because I have no choice. Do I take out all the money need for all 6 years, or do I take loans out whenever I need them?

  51. Micaela January 4, 2014 at 5:29 pm Reply

    I want to refi my house that we bought at $184,000 at 7.875%
    it was fixed for 2 years and now will go up to 10.875%

    Now, I have a $15,000 second mortgage that I accumulated from not having a job and misc expenses.
    I want to combine them together.
    I also want to add my $28,000 federal student loan at 6%
    and my other private school loan of $12,000 at 13.25%
    to the refi. I also have a credit card of $4,000 @ 8.99% fixed that I wouldn’t mind adding to the refi as well.

    First of all, Is this possible if my home is only appraised at $209,000 right now? And second, should I add these all together?

    I would love to have one bill. All these payments are killing me.
    Need your advice…
    And if I should refi them all together, what companies have you been successful with for loans?

  52. Antonia January 6, 2014 at 12:47 pm Reply

    I go to a private school and have maxed out my federal loans. I still need money for gas,school expenses etc. I’m taking 18 units and don’t have time for a job. How can I get additional loans without a cosigner to get me through the year, I have pretty good credit.

  53. Dannie January 15, 2014 at 11:53 am Reply

    This is my last year in college and I really need help. I’ve already been purged and I have only 8 days left to find some kind of loan that doesnt req. a cosigner. If you have any knowledge or guidance PLEASE HELP!!!!!!!

  54. Darwin January 21, 2014 at 12:11 pm Reply

    My son will be entering elementary school next year and I am really interested in getting him into a private school. I don’t know where to start. I also want to know if their are grants or loans available for these types of schools.

  55. Eugenio January 22, 2014 at 9:36 pm Reply

    I have students loans that I need help paying off in the form of scholarships or something like it. I understand scholarships are to pay for classes not yet taken, but I use the term to describe the type of help I am looking for.

    Any government programs out there that help current/former students pay off federal and/or private school loans?

  56. Bud January 24, 2014 at 3:37 am Reply

    I have just acquired 50,000 dollars. I recently graduated college and have around 30,000 dollars in private school loans and 20,000 dollars in federal loans. I don’t want to completely deplete my money reserves. Some people have told me I should just pay off the entire debt and others have told me to just keep paying the monthly payments and use the money for something more beneficial like investing in a business. I know it takes money to make money, and since I have this extra money I don’t want to miss an opportunity to take advantage. My question is: Would it be unwise to only pay off the private loans? Finance is not my expertise, any suggestions are much appreciated.

  57. Mariam January 25, 2014 at 9:50 pm Reply

    The school I want to go to will cost me around $10,000 for room and board. When getting a student loan, can that money also be used to pay for the room and board, or is it only for tuition?

  58. Ariel January 27, 2014 at 6:47 am Reply

    I am going to start a second bachelors program next month and I need funding. I owe $1200/month in credit and bills. The school is in rural nowhereville so I won’t be able to get a job to pay down those bills. What options do I have? Can I take out a lump 30k to pay off those bills from private school loans? And when I apply for a private loan, do I have to reapply every year?

  59. Sean January 28, 2014 at 4:28 pm Reply

    Im interesting to going to a really elite private school whose tutition is practically the same as attneding a ivy leauge school. So the only chance in hell for my to go is if i have tutition support, so will financial aid help ?

  60. Brett January 31, 2014 at 4:05 pm Reply

    If you need a certain amount of money for your school loan based on the tuition of your school, will the bank give you the full amount or are there conditions?

    For example, if I have a lot of credit card debt or if my co-signer has low income – will they deny me the full amount I need for school?

    Another question: Can you ask for more in a loan outside the tuition of the school? For example, if my college says tuition for a year is 20,000, then can I ask the bank for 5,000 more making it a total of 25,000?

    I understand that I must apply for financial aid first. These are just examples.

  61. Aura February 1, 2014 at 10:49 pm Reply

    Alright here is the deal I am commuting to school about 30 miles away from my home. There is no public transportation to my school and therefore I need a car. I pretty much have every school expense paid for except for the actual transportation costs to get to and from school I have enough money for fuel, insurance, and any repairs that are thrown my way, as well as basic maintenance costs here is the issue, I can’t afford a car. I was looking to get a private student loan with a parental cosign and deferred payment for the cost of a decent car (about $13,000). I can’t afford a monthly payment so I needed to know what kind of college loan should I get or do I need I am sure I can get a private college loan because transportation is a legitimate college cost. Thanks

  62. Zena February 2, 2014 at 3:14 am Reply

    So I have 7 classes left, which I am dividing into 2 semesters until I graduate. Unfortunantly, there is a dilemma in my way. Apparently, my husband’s and my taxes, were filed incorrectly last year, which means I need to get an amendment on my taxes to receive financial aid. I submitted the amendment once, and it was rejected, with no reason given as to why. So, I am resubmitting my amendment today…However this takes up to 8-12 weeks…which means I will NOT have my financial aid by the time fall semester starts. This means I have to at least make one payment for school which will be around $1500, plus buy my books. At this time…I do not have that kind of money, nor does anyone in my family…which means, I need to take out a loan…So this is my question…what is the best loan to take out? I will only need a loan of around $2000 and I will be able to pay it back immediatly after my financial aid pulls through. Any help would be greatly appreciated!
    To the brainiac, jackass who wrote get a job…I work 40 plus hours a week, go to school full time, have two kids, and am an around the clock wife, I never cheated on my taxes, it was an honest mistake..those can be done you know i.e.: WHY THEY HAVE AMENDMENTS IN THE FIRST PLACE…Lesson to you: Learn your facts before giving arrogant advice! 😉

  63. Brett February 2, 2014 at 6:26 am Reply

    with a school thats not affiliated with fafsa is there help for me I need to know where to go

  64. Kristopher February 6, 2014 at 12:29 pm Reply

    Hi! So I just got into NYU for the spring semester and I want to apply for a private student loan from Wells Fargo. I found out I got into NYU over the phone so my official letter isn’t here yet and my fin aid package is probably not coming til late next week or even the following week. First of all-will a private student loan for $20k a year be hard to get? My mom will sign as my cosigner with an almost perfect credit score. Also, do I need to wait for my fin aid package before I apply for the loan?? Or can I go ahead and apply now? I haven’t even sent in my deposit to NYU yet (because I haven’t gotten the official letter)

    Please don’t answer this with “Why would you pay that much for school/take out that much for school” etc because that is not my question, I’ve already made my decision on that front.

    Thank you!

  65. Elwood February 9, 2014 at 10:16 am Reply

    I owe over 200, 000$$ in private college loans!! I am going out of my mind. The phone calls won’t stop, they are calling my parents (cosigners) threatening to put leins on their house, they call my grandmother, my place of work, everyday. I have tried forbearance, most of the companies have denied my request. I have tried making small payments, they still harass me. I’m getting “pretend” court documents threatening to take me to court. I’ve been told I can’t consilidate. My parents are doing everything they can to pay the companies, but we’re also having a problem tracking all of the various different companies that have my loans, as they keep changing. First one of the loans was Chase, then magically it was Wakovia, then next its student collegian trust.

    I have a degree, and worked hard to graduate but have found it impossible to find better employment, I am only making $11,000 dollars year and I’m working 2 jobs, 6-7 days a week. When I started school I was in a competative major but by the time I was close to graduation, it was too late to change, and the job market began to go sour along with the economy. I can’t even get the aid to go back to school for my Masters. I tried getting into peace corps, teach for america, got rejected. My roomate is tryign to get into Navy reserves and was told that there is a long waiting list.

    I have private loans through about 8 different companies. Sallie mae, chase, astrive, citi, private source are just a few, along with I guess now Wakovia, and Student collegiate Trust, which i just found out about.
    bankruptcy is not an option, it does not affect/cover private or federal loans
    unfortunatly attacking my post and my integrity does very little to solve the problem. All the information given is correct and concurrent with my tax information for this past year.

  66. Cleveland February 11, 2014 at 1:45 am Reply

    what’s the best option for student loans? im looking at schools that cost 40-50 thousand a year, and i wont get much financial aid or federal loans, if any. How much can i get in student loans and what’s the best option out of the many private loans out there? Thanks

  67. Avery February 11, 2014 at 11:06 am Reply

    I have both federal and private loans. I have transferred to a school which is not a federal school. I have all my loans through sallimae and some private loans through them as well with first national bank being the intermediate. Sallimae is saying that my new school is not eligible for federal loans so i cant apply for in school deferrment. I can only apply for deferrment for economic hardship since I am still gonna be in school for another 2 years. However, i cant even defer my private loans and I can only apply for forbearance which i have to pay 50 dollars per loan every 6 months but i am currentlly still going to school and not working and not sure what to do. Can anyone please suggest any ideas?

  68. Floretta February 14, 2014 at 2:17 am Reply

    Do most private loans allow you to borrow an amount equal to your university’s yearly tuition each year for four years?

  69. Joellen February 16, 2014 at 5:46 pm Reply

    For college students are there loans other than the federal ones? I found out that CHASE bank gives college students loans that are deferred, til you are done with school. I had no idea there was anything like that, are there other banks, companies or ways to get loans? Are there any other ways to get loans that are deferred till you are done with school if the one for chase ends up not working?

  70. Jesica February 18, 2014 at 2:42 pm Reply

    ugh ive been having so many issues with the financial aid dept at my school. they have denied me off and on, for various reasons… but my appeals usually would go through, eventually. see i cannot afford to pay for classes the normal route as i am partially disabled (no diagnosis) and have no income. i am on my final semester at community college and am already accepted to a 4 year institution for next year…. but they wont approve me for financial aid! my gpa is 2.9 which is completely within acceptable levels (i mean it was enough for the 4year to accept me!) but my school i guess feels its taken me too long to finish and i dont deserve any money for the last stretch.

    totally annoying. my question is, do i qualify for a private loan? i have no real assets. i have a car. a computer. i dont know what else is of any value. do i need assets to qualify for a private bank loan? my parents would most likely NOT cosign… so I would have to do it on my own. am i SOL ?

    its really irritating the way financial aid works in my opinion… see you have to qualify for the pell ‘grant’ before they will let you take out ‘loans’. that seems so a$$backwards to me… if i was getting the pell ‘grant’ i wouldnt need the ‘loans’ !!! its like they only offer the loans as an additional supplement to the 5 grand you would get in the grant. how does that make any sense. to me it seems that people who would want loans are people who arent getting enough (or anything) from the grant alone… but if they deny you the grant they just completely screw you out of the loans? what is that? driving me nuts.

    so is there any other option? do i have any hope with private loans ? i feel like the short answer to my question is ‘no’ and i am skrewed.. but maybe someone else has other ideas to offer? thanks for reading.

  71. Noel February 21, 2014 at 3:54 am Reply

    Is it better to get a private loan through the school or is better if you find a bank that you want to get a private loan from? I was wondering if the interest rates would be lower if you went through the school to get one or does it matter? I have already exhausted all my finaincal FAFSA aid options. Is salliemae any a decent private loan company? Does anyone have any recommendations?

  72. Noah February 21, 2014 at 6:56 am Reply

    Im applying to a private college soon an I will definitely need a loan. I filled out a fafsa about a year ago an I was eligible for the parent PLUS loan, something like 26k. However the school Im applying to soon is close to 45k a year. I’ve been thinking of private loans but I’ve heard a lot of bad things about sallie mae.

    Do all lenders require you to pay while in school? Can you start paying back when you get out?? Whats another private loan I could get besides sallie mae?

  73. Daren February 21, 2014 at 12:23 pm Reply

    Hi! I am attending a college this fall that does not accept government funding in any way, not even personal federal loans. I have to find private loans for the next two years but I don’t think I have a credit score at all. I am 19, have worked in the same job for 2 years, have had a checking and savings accounts for 2 years, and have never done anything bad to my credit ( i.e. bounced a check, declared bankruptcy, etc. ) I have taken distance learning classes from my college for the last two years and have paid for those myself. To complete my degree I have to actually go to the college and I will have to pay about $20,000 a year. Will it be possible for me to apply for a PRIVATE loan, that size, by myself??? Thanks………

  74. Etta February 21, 2014 at 12:23 pm Reply

    I already have finacal aid loans but it does not cover my full semester

  75. Saundra February 21, 2014 at 2:27 pm Reply

    I want to apply for a student loan at Bank of America. Will they send the money/check to me or to the school? I want them to send it to me…

  76. Joellen February 21, 2014 at 9:42 pm Reply

    Does anyone know if there is any way to get assistance with private school tuition. Someone told me that there is a way to get some of it paid for. She really wants to go, but I am working overtime now just to pay for dance and basketball camp.

  77. Florentino February 21, 2014 at 9:58 pm Reply

    I applied for a private student loan with wells fargo. They declined my parents and my auntie whom has a perfectly great credit in seconds. They cosigned jointly and after 5 seconds I receive a email that they been declined. I don’t why they decline so fast…They didn’t even look at it. What the heck is wrong? Without any private student loans I can’t go to college! By the way, I was thinking of applying for the private student loans with sallie mae but I’m scared that I might have the result? What should I do? Parent Loans is not an option.

  78. Johnnie February 22, 2014 at 12:40 am Reply

    I have to pay my balance off before i can go back to school, I recently filled out an application on wachovia I wanted to know if there was a way I can have the money for my loan sent directly to me instead of the school.

  79. Jesse February 22, 2014 at 12:40 am Reply

    I’m looking for a private student loan because I need more money for school in the fall and I have maxed out my federal loans. Any suggestions on some banks or credit unions that have been known to offer very good private student loans?

  80. Jo February 22, 2014 at 12:47 am Reply

    so here’s the thing. im going to a private vocational college on summer, and i’m worried about applying for a loan.

    the school had just opened and they said they are currently not offering any financial assistance. does this mean that i can’t apply for a loan??

    i was thinking about getting sallie mae — can i apply there??
    do you know any student loan that is better than sallie mae?

    thanks a lot =)

  81. Oswaldo February 22, 2014 at 1:53 am Reply

    I need a loan to bridge a gap in my PHD program can you pls help??
    Already used Federal money a little short..Where can I apply in this market??

  82. Gregg February 22, 2014 at 1:53 am Reply

    I’m 17 years old and I’m going to attend UC Irvine in the fall. I want to take out a private student loan to cover some costs, but I can’t find the right one. I want the money to be disbursed directly to me and I would prefer if my school does not certify me for it. (I don’t want them to know about the loan because they will take away some of my financial aid).

    I have a good co-signer and all, but the biggest problem im running into is that I’m NOT 18 yet! Are there any private student loans that a 17 year old with a co-signer can apply for? My B-Day is 10/16 but I can’t wait that long….

  83. Elfrieda February 22, 2014 at 2:23 am Reply

    I am going to school to be a vet technician out of state in nashville, tn. I have already applied for private loans but have no such luck as banks don’t have the money to lend. My credit score is near perfect and I have established credit. I just filled out my fafsa and I’m afraid because I might be filling under my parents even though they don’t make much money, I might not get the available funds I need for school. I also need finical aid for housing as I don’t start my new job till a month after school starts. Any ideas on what I can do to receive a check A.S.A.P so I can be out there before january?

  84. Stewart February 22, 2014 at 3:08 am Reply

    i need to get a loan i have bad credit and no cosigner i already did a fafsa but i need more money i am married with 2 kids so working and going to school is not an option my husband has bad credit to i need some websites to go to for loans and not fafsa

  85. Raven February 22, 2014 at 3:20 am Reply

    i lost my job 3 months ago (the economy) and i’ve been able to make due for with my financial aid from school. now though, i have to get a student loan because i can’t get a job.

    i got approved for a student loan through wells fargo, but when i called the school to see if they received the loan money, they said “no we haven’t, but if the school needs to approve it, we will not, because you’ve already taken all the federal funding you’re allowed to take.”

    i applied for a private loan, and wells fargo just needs to know if i’m telling the truth about attending school (which i am). why won’t my school approve it?

    i’m totally screwed if i can’t get that loan because i haven’t had any luck getting a job, and i have bills to pay (rent, food, gas for school).

  86. Tonie February 22, 2014 at 3:32 am Reply

    My son is leaving for college in August. He already put a deposit on an apartment. We tried for campus housing, however, they choose based on a lottery and his name did not get chosen. With that being said, we rented an apartment that he will share with 3 others. He saved up enough for the first 2 months of housing. His tuition is covered through grants and scholarships. I want to see about getting a private student loan to cover the cost of his apartment for the year. I want him to concentrate on his studies. He’s a great student, top 20% in his class, and I don’t want that to falter because of jobs. We obviously will help out as much as we can too. I know Wells Fargo does it and they seem to have a pretty good interest rate. Plus they defer the payments until 6 months after graduation. My question is when the loan goes through does the bank send it to the school to be disbursed to the student? If so, this is fine. I was just wondering. I don’t know how it works because the first 2 years of college he stayed at home. I plan on going into Wells Fargo this week and sitting with a bank rep to discuss all of this, but wanted to see if anyone has done this before. Is there certain questions I should ask? Any help would be appreciated. Thank you and have a great day
    I already did the FAFSA for this year. Didn’t think to put in there that he will be living off campus. Don’t think I can change that now til 2013 when I do the FAFSA again. Is there a way to request a Federal loan for off campus housing now?
    Let me be perfectly clear Charles. I do not coddle him. You don’t know me so for you to judge me is ridiculous. He has worked his first 2 years in college and still stayed on the Deans list this whole time. He has no problem working. Nor do I have a problem with him working. However, his classes are a little more difficult this year so I want him to try to concentrate on his studies a little more. He has been working 30 hours a week while going to school FT. I am not sure why I am even replying to your judgemental, uninformed answer. I guess I am GROWN UP and will defend my family if I feel attacked or judged. If you can not answer a question on here then don’t bother wasting anyones time. You are obviously a very sad and pathetic person who has nothing better to do than try to make yourself feel better by demeaning others. I hope you GROW UP soon and stop living in your high school mean person ways. With that being said, thank you for your answer, but I said any H

  87. Hollis February 22, 2014 at 3:32 am Reply

    i got accepted in a nursing program and the only loan they accept is stafford. that will not be enough to help me with school, actually with my living expenses. i will not be able to work during school, since i have to take care of the house (my husband works long hours, but his salary is not enough) and i have a 2 yr old baby.
    do you know of any loans that don’t require school certification?
    i am in a community college, the stafford will cover my school expenses. but we live in bay area, my husband makes a little over 2000 and our rent is 1025 and it is the cheapest rent around, we live in a bad neighborhood.
    i don’t need anyone to judge me, i just need to know if there are any loans similar to student loans where the school doesn’t have to get involved

  88. Mason February 22, 2014 at 5:17 am Reply

    I am looking into private student loans. My parents who have great credit can either co-sign or take the loan out for me. Whatever is cheaper. I am not qualified for any other loan except private loans so that is not an option. I will be graduating in May and don’t need more then $5,000.

    Which ones would you suggest?
    Again I DO NOT qualify for federal loans and MUST take out a private loan. I understand that it may cost more money, but i do not have a choice. After graduation I will be working as a nurse in California making minimally $80,000/yr so I will be able to repay it all back quickly

  89. Fermin February 22, 2014 at 5:17 am Reply

    I live in Pittsburgh, PA and i need help on finding a loan or some type of aid for my daughter’s private school tuition, any suggestions?

  90. Tyree February 22, 2014 at 5:32 am Reply

    I went to cosmetology school and am paying back a loan to the US department of Education and am in good standing with them. I recently got a bill from a collection company in the amount of $5,000 from the cosmetology school that I honestly had no idea was in collections. I recently filed my taxes and am expecting a refund and am wondering if the collection agency can take my refund because it is for a school? I’m so confused on why I have this balance with the school and it is not incorporated with my student loan. It is a private school so can the collection company take my refund? TIA!

  91. Mollie February 22, 2014 at 5:32 am Reply

    Are private student loans an option for a student attending a community college? The reason I ask is because all the student loan websites I look at, my community college is not an eligible school. Why is this? I mean, are the lenders out there who will give me a loan?

  92. Sallie February 22, 2014 at 7:18 am Reply

    I’ve attended 3 different colleges and have lost records of my loans. Is there a way I can find out where I owe without having to contact through the school? I’ve tried Next Student, but they’ve told me to find out how much I have in private loans which has become a complete mess. Any suggestions?

  93. Jaqueline February 22, 2014 at 8:15 am Reply

    I need 1250 by the end of May for Summer Courses….
    Is it possible to get a private loan with a credit score of EXPERIAN – 676
    EQUIFAX – 650

    I summited a CHASE student loan which I will repay back by the end of the summer anyway?

    Will I get approved?
    Are there any other options?

  94. Zena February 23, 2014 at 12:07 pm Reply

    tying to find out what loan available to a new cosmetology school?

  95. Patsy February 24, 2014 at 7:19 pm Reply

    I just registered for school however I didn’t get enough financial aid to help me with all my expenses including living expenses. Would it be a good idea to apply for private school loans?

    If so, what are the best private loans out there and what are there eligibility requirements?

  96. Ted February 24, 2014 at 8:14 pm Reply

    I am finishing up my Master’s degree in International Development. I pay approximately $400/month on my private college loan debt. That monthly amount will likely increase by another $100, just with private loan debt. This is not including stafford and other government loans I have. I have researched this extensively and have found that although there are so many options for repayment options and subsidies for government loans, there isn’t much for private loans. Here is my dilemma, in order for me to get to a point where I have a decent career in my field I need to pay my dues: i.e. working or volunteering abroad for little to no income. I can’t do this if I have $500 a month I am paying. My private loan facilitators are: American Education Services, Chase and Great Lakes. Most of the debt is from a American Education Loan that was originally taken out by chase but got re-serviced by them. I understand that when I was twenty years old, it was dumb of me to take out private loans. Biggest regret of my life. I was young and had no idea of the consequences of it. I have called the loan services to try and get options. My biggest loan: the America Education Services loan, has barely any options of relief. The one and only thing they can offer me is a 2 month forbearance that I could maybe qualify for if I pay nine months on time. What is that crap? I am desperate for relief. It’s not fair that these loans dictate the rest of my life. All I want to do is a program such as peace corps and I can’t because of this pickle I am in. Please help with any advice you have. I don’t want to run into delinquency, especially since my dad co-signed on those loans. HELP!

    Thank you,

  97. Gwyneth February 25, 2014 at 2:14 am Reply

    ive heard that private student loans have better interest rates than other sources…

    i was wondering what are some of the better loan companies out there?

  98. Bettye February 25, 2014 at 5:47 am Reply

    I am finishing up my Master’s degree in International Development. I pay approximately $400/month on my private college loan debt. That monthly amount will likely increase by another $100, just with private loan debt. This is not including stafford and other government loans I have. I have researched this extensively and have found that although there are so many options for repayment options and subsidies for government loans, there isn’t much for private loans. Here is my dilemma, in order for me to get to a point where I have a decent career in my field I need to pay my dues: i.e. working or volunteering abroad for little to no income. I can’t do this if I have $500 a month I am paying. My private loan facilitators are: American Education Services, Chase and Great Lakes. Most of the debt is from a American Education Loan that was originally taken out by chase but got re-serviced by them. I understand that when I was twenty years old, it was dumb of me to take out private loans. Biggest regret of my life. I was young and had no idea of the consequences of it. I have called the loan services to try and get options. My biggest loan: the America Education Services loan, has barely any options of relief. The one and only thing they can offer me is a 2 month forbearance that I could maybe qualify for if I pay nine months on time. What is that crap? I am desperate for relief. It’s not fair that these loans dictate the rest of my life. All I want to do is a program such as peace corps and I can’t because of this pickle I am in. Please help with any advice you have. I don’t want to run into delinquency, especially since my dad co-signed on those loans. HELP!

    Thank you,

  99. Isiah February 25, 2014 at 11:36 am Reply

    I am past my limit due to alot of peraonal problems. disability, deaths in family etc; want a school private loan asap have cosigner need help…..
    Past it due to alot of personal problems deaths in the family; paid for by me and disability i have etc…

  100. Yoshie February 25, 2014 at 12:08 pm Reply

    Can private loans change their interest rate at any given moment? Vs federal that have a fixed rate ( ie citibank)? What are the prons and cons for each one of them. Thank you

  101. Gerald February 25, 2014 at 6:15 pm Reply

    I’m going to college at the beginning of August, the 20th to be exact. I need money to pay for housing off campus, which I was told a private student loan can be used for. I keep getting denied. What can I do now?

  102. Viki February 26, 2014 at 12:05 am Reply

    Okay I know we all hate private loans and it’s better to use a federal loans and grants, but I have gotten into some trouble. I’m a full time student on my sophomore year for aerospace engineering major. Since last semester I have really been hitting the job boards and going weekly to my college career center trying to find a job, but I have been unsuccessful so far mostly because I don’t fit their schedules. Well, I got into a some credit card debt of more than $3000. Thus far I haven’t used and financial help from anywhere. I’ve been paying for school myself until I got laid off my last job. I was planning on getting a federal loan to pay for the rest of school, but I don’t know what to do with my current debt! I’ve been considering taking a private loan, using that loan to pay for the debt and differ the payments till after graduation. But I think I may just be digging a bigger whole for me. My only other option would be to drop my classes and have an open schedule for any job I can get, which I would hate to do because I would be putting off my graduation time and not to mention wasted money.

    My other question is do private loans affect my eligibility for federal loans or grants at all? If it does I don’t want to risk it.

    Please advice!

  103. Donte February 27, 2014 at 4:59 pm Reply

    I didn’t take my federal loan from completing the FAFSA ’cause the interest was just way too high…

    So what are the best private student loans?
    Educate me so I can fund my education!

  104. Sara February 27, 2014 at 10:01 pm Reply

    Hi, Im looking for good places to take loans from.Possibly the ones to where YOU can spend the money so it doesnt go directly to your school. It goes in your account at the bank or something. ALso you dont pay until you graduate. Im going to school for occupational therapy and I need money to help me with rent and food etc . I live off campus. any help plzzz

  105. Chris February 27, 2014 at 10:54 pm Reply

    I’ve noticed a large increase in those commercial about private student loans, like Astrive and whatnot.

    Are these better/worse then loans directly taken with the school/bank?

    I’m not the paranoid type, but there seems to be a ton suddenly popping up and I wanted to weigh my options.

  106. Allen February 28, 2014 at 6:51 pm Reply

    I’m half way finished with my AA here in CA, but I want to move up to OR this August to finish my BA. I want a private school loan to help me get started up there with living expenses until I find a job. I’ve tried going through Wells Fargo, but I need a cosigner. Does anyone know of any companies that can help me, and ones I should avoid? I will be going into the Peace Corps when I finish my BA and will need to defer payments on my loan until I return, then I will start a master’s program. Please if you are knowledgeable about school loans I would ,appreciate the help. Looking to loan about $5000-7000.

  107. Rosie February 28, 2014 at 7:57 pm Reply

    I am looking for the best private student loan lenders with good interest rates. I am also not looking to pay anything while in school. Thanks!

  108. Carina March 1, 2014 at 1:44 am Reply

    In 20. Federal financial aid for college is a hassle for me when I no longer choose to have contact with my parents due to certain reasons. The override dependency form is is also a hassle. My question is, is it smart to take out private student loans from banks and what not to pay for college until I’m 24?

  109. Brooks March 1, 2014 at 2:15 pm Reply

    Does anyone know about elementary private school scholarships? My daughter’s tuition is over $9,000 a year and I need help

  110. Glayds March 1, 2014 at 4:50 pm Reply

    If i get a private student loan will they send it to me or to the school and if they send it to my school then what happens? do i just pick it up there or does the school deal with it? I ask because i have no money to get a car and without a car i cant get to school so i want to take out a private student loan and buy one.

  111. Karla March 1, 2014 at 9:12 pm Reply

    Ive already got my associate degee in 2005, it did not get me anywhere. Im now looking to go back to school to continue my education. Im considering doing private loans and a little bit of help through my Employers tutition assistance program. Im only 22 yrs old but dont want to use fasfa again because my family had already put alot of money and loans towards my first degree

  112. Micah March 2, 2014 at 1:01 pm Reply

    I need money for my college tuition and for that matter, I will be taking a private student loan. But I don’t really have any experience with companies that lend student loans. So what is the best place (in terms of low APR, interest rates, etc) to get a private student loan. How is the Wells Fargo Collegiate Loan? here is the link:

    Also, what does this mean “No payments until after you leave school” on certain loans? Does it mean that the interest the principal will start to build up only after you graduate from school?
    Thank you for answesr. And please it would be great if you answered only if you had any experience of taking out a private student loan. Thank you.

  113. Bee March 3, 2014 at 9:18 am Reply

    Any advice on paying for college and receiving/obtaining school loans?
    Seems a little crazy trying to figure out how to pay for school and how much you can work, etc.
    I am still doing jr college.

  114. Eugenio March 3, 2014 at 11:29 pm Reply

    I am in desperate need of a private student loan for $2000 so I can start school. Does anyone know of any companies that will approve you with not so good credit but with a co-signer? I have heard about sallie mae so please do not suggest them or you own private loan that you are wanting to offer. I would like a real company that will help me out in a bind.

  115. Mariam March 11, 2014 at 10:51 am Reply

    What do they have in common and what do they have differenty? I want to know because im planning to transfer from a community college to a private school. Is one better than the other? Thanks for the help.

  116. Mechelle April 21, 2014 at 5:49 am Reply

    I tried to consolidate my school loans through Sallie Mae, but found out that they even quit consolidating student loans. I realize that I need to consolidate all my federal and private loans separately.

  117. Keith April 21, 2014 at 8:09 am Reply

    Federal loans for things like cosmotology, nail tech, massage therapy?

    I find this hard to believe since these are private schools (for profit).
    I asked in education and just got spam answers about loans (hundreds of them)- no one is there.
    Anyone in this section know for sure?

    This is NOT a personal question. I am not interested in attending nail tech school and making government student loans to pay for it.

  118. Frances May 23, 2014 at 12:30 pm Reply


    I need about $2000 to $5000 in funds to pay for school 2014-2015 this upcoming year. My Stafford loan limit is maxed out.

    My credit limit is Fair. I need a Private student loan that I can have myself, but my father is not willing to cosign and support me on this.

    I will have a full time job and going to school full time starting this summer, and onwards until I get my degree. Do Sallie Mae private loans work?

    In short, I was wondering where I can find student loans for small amounts, with a good rate, and no cosigner.

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