My credit rating is not so good and I don't qualify for financial aid?
131282
If you can, try applying with a co-signer -- even if your lender approves you on your own, they might give you a lower rate just for having a co-signer (example: Sallie Mae).\n\nFor private educational loans, consider the following loans/companies:\n\nSallie Mae Signature Loan: http://www.salliemae.com\nCitibank CitiAssist Loan: http://www.studentloan.com\nBank of America Private Loan: http://www.bankofamerica.com/studentbanking/index.cfm?template=stb_bac_loans\nWells Fargo Collegiate Loan: https://www.wellsfargo.com/wf/student/loans/undergrad/collegiate\nCitizens Bank Undergrad Loans: http://www.citizensbank.com/pf/studentloans/applications/undergraduateloan.aspx [May be harder to qualify for w/o a cosigner.]\nAccess Group Private Loans: http://www.accessgroup.org/loan_terms/General/Eligibility/General_Eligibility.htm?Template=General_EligibilityInfo.htm\nCampus Door: http://www.campusdoor.com [more of a last resort, though they have been known to approve younger students with super-short credit histories]
621171
Well this has nothing to do with dating but..... it all depends, if your accounts were closed by the grantor(the company giving you the loan)then your score could have been lowered by about a hundred points so it might be down in the low 500s, but if like you say you are paying your bills now, it should go back up in like 2-3 yrs that is saying that you continue paying everything oin time, in like a year or so try opening some new accounts or buy a car on credit, and keep up with the payments, and always remember not to owe more than 50% of your limit
155976
Federal student loans like Stafford and Perkins require no credit check, so apply for those first using the FAFSA: http://www.fafsa.ed.gov\n\nAs for private educational loans...\n\nIf you have a credit-worthy cosigner, the possibilities are endless.  Their credit acts as sort of a "stand-in" for yours.  Do your best to find someone to co-sign for you.  If they are hesitant, look for a loan with a "co-signer release."  This release will let the co-signer off the hook after you make a certain number of payments on time (usually 3 or 4 years worth).  \n\nAs you probably have found, now that you have bankruptcy in your past, you are considered a high-risk borrower on your own.  Any company willing to lend you money will itself be somewhat "high risk" -- the only way they can afford to lend to you is to offer exceedingly high interest rates and unfavorable repayment terms. I hesitate to recommend any specific company since most companies of this ilk are going to be a little disreputable.  I found a few by searching Yahoo! for terms like "bad credit unscecured loan" or "bad credit personal loan."  The loan won't be ideal, but if you can repay it in a timely fashion, you might be able to improve your credit enough to qualify for a lower-rate loan, which you can then use to pay off the "sketchy" bad credit loan.
509559
You have several reasonable options:\n\n1. Go to your bank/credit union/financial institution, and ask if they would be willing to loan you the full amount necessary to consolidate all of your debts into one account.\n\n2. Find a low interest credit card, with a low to no interest introductory rate, and consolidate all of your loans on the one card.\n\nIf your credit rating is not so good, and neither of the two above options can work for you right now, it'd probably be best to continue paying your separate loans in a timely manner, until your rating improves and you have more leverage to get the best loan to ask your creditors to reduce the interest rates tied to your current obligations.\n\nDon't be enticed by these 'debt consolidation' companies.  There are also some great articles on Debt Consolidation Pros/Cons.  Here's an article from bankrate.com: http://www.bankrate.com/yho/news/debt/debtmanageguide/consol-dangers1.asp\n\nI strongly suggest that you visit bankrate.com.  Great useful financial info.
92000
As far as I know if one of your credit rating is good, then it wont matter if the other's is bad - I think its like some loans.  Co-signer w/ good credit = :D
541256
Hello,\n\nBecause you got 1 bad mark on your credit history, you will probably still get credit. However, you will not find it as easy to get credit as someone who didn't have that bad mark; and you will pay a higher interest rate. This is because you proved that perhaps you aren't 100% trustworthy in repaying the debt.\n\nNow, the telephone company has probably written off the debt; if you contact them to pay the bill it won't affect your credit rating; they will just be getting the money you owe them.\n\nThe only way to improve your credit rating is to get credit and repay it on time and in full.\n\nYou should just try to get the car refinanced now you are married and hope that they give you a chance to redeem yourself. Just make sure that you have enough money to afford the repayments, or you will be making your credit history even worse.\n\nThanks
602035
Have you already filed an appeal with financial aid. Sometimes, that works in getting more aid. If you have tried that already, you can inquire about scholarships. You can ask your financial aid dept. to assist you with this. If you are still short on tuition, you could work to pay for the classes and take only the amount of classes that you can pay for in each semester. Otherwise, loans are whats left.
272565
Federal student loans like Stafford and Perkins require no credit check AND no co-signer, so apply for those first using the FAFSA: http://www.fafsa.ed.gov\n\nAs for private educational loans...\n\nIf you have bad credit already, make sure that you don't apply for loans indiscriminately -- every inquiry into your credit is another "hit" on your credit score. Check out the huge list of private loan lenders on FinAid's website: http://www.finaid.org/loans/privatestudentloans.phtml . Go to each website 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). \n\nOnce you get a loan (which will probably be at a higher interest rate than you might like) consider working on your credit score and, when you get the chance, paying off that loan with something that boasts a lower rate. Pay close attention to the rate of the loan you are offered -- it could be close to 15% or 20%, which is very high. Use the loan while you need it but get rid of it as soon as you can (apply the same logic to any high-interest credit cards, too).
301914
Find out which one of the reasons you were not in compliance with.  Speak with your FA counselor.  \n\nMaybe they don't count your "cumulative" GPA, but note if *any* of your individual classes fell below a certain grade.
348718
I guessing that your scores are low due to late payments on you open or even your closed accounts. Also If your looking at getting a home in 8 months, you should NOT open any new accounts and stay current on the accounts you have now. That is very important. Because time heals bad credit. The sprint, auto insurance, and paying your father has no impact on your credit, the reason being is that they don't report to the bureaus unless you go bad on the accounts. Then it'll show up as a collection account. \nOn you visa and MasterCard try to pay the balance below 35% of the high limit on the cards. That will show that your not living in debt, and will improve you score in a short time.\nA company that I support in credit repair is Trinity Credit Services, Talk to Leana, she a senior consultant. They'll give you some professional help on getting your scores up within a 6 months period.\nGood luck!!
409561
Go to your financial aid office and see if you can restructure your financial aid to include money for housing in the dorms.\n\nGet a job.\n\nBest Wishes,\n\nSue
188561
Did you at least get *something?*  If you got something and it simply wasn't enough, there are any number of reasons why you didn't get enough.\n\n1.  Loan/grant limits.  It is possible that, even if you have been given everything they have to give, the funding just doesn't exist.  Every federal program has limits.  Pell grants are capped at $4050 for full-time students; Stafford loans are capped at $2625 for Freshmen; Perkins loans and SEO Grants are capped at $4,000 for undergrads (and not all schools can offer Perkins or SEOG, and those who CAN often don't have enough of it to give the maximum).\n\n2.  Dependency status.  If you are an undergrad, are under 24, are unmarried (without kids), and are not a veteran or an orphan, you have to include your parents information on your FAFSA.  Your EFC, which is used to determine your eligibility for aid, is based on the income and assets of both you and your parents.  If your EFC exceeds the cost of your attendance, you probably aren't eligible for much more than an Unsub. Stafford Loan.  To find out what your EFC is, check your FAFSA results (on the SAR or "Student Aid Report" that you would have received after you filed the FAFSA) or call your Financial Aid Office.\n\n3.  Your enrollment status.  Many financial aid programs are limited to half-time or full-time students.  If you're not taking enough credits, you might be eligible for a lot less than a student taking a full credit load.\n\n4.  Accreditation.  It's possible that your school isn't allowed to administer student aid programs, or that they are only allowed to administer *some* of those programs, like Pell and Stafford only.\n\n5.  You might have made an error on your FAFSA that makes you look more wealthy than you are.  This happens a lot but can be corrected.  Go over your FAFSA results carefully to make sure that you didn't add in any numbers that shouldn't be there.\n\nNot every school has the means to meet every student's financial need. You or your parents can borrow a PLUS loan or a private loan to cover what your Federal and institutional financial aid package does not cover.  Visit this site for a list of reputable education loan lenders: http://www.finaid.org/loans/privatestudentloans.phtml
99492
salliemae.com or talk to your financial aid department
656482
You should be able to talk to your financial aid rep at school and look for additional funding. I am just finishing school and I was able to do many things like that to help pay for textbooks, etc. The school by law is supposed to return any unused financial aid to you unless you tell them you don't want it returned to you so I have never had trouble getting enough to cover all necessary expenses.
189887
It all depends on how bad of credit that you really have. It also depends on how much money you make and your work history. It never hurts to just go into a bank or credit union and apply. You might be suprised to find out that you qualify for more than you think. I work for a credit union and we have people all of the time apply for loans and get exactly what they want even without much credit. You have to start getting credit somehow, not to mention $1000 isn't to much of a credit risk for a bank or credit union. If you do get approved, just make sure that your payments are always on time and your loan officer will trust you with more of a credit risk next time. Hope that helps!
238545
When you say that you received a "summary," do you mean your SAR (which would have come to you right after you filed the FAFSA).  Or do you mean that your Financial Aid Office sent you a letter detailing your eligibility?  If they sent a letter, that may be all you will receive from them for a while.\n\nThe best thing to do is talk to your Financial Aid Office.  Sometimes, they require other forms which you might need to complete before they will even look at your application -- this could be the reason for the delay (if there is, in fact, a delay).  I require applications by January and mail award letters in April; bills are due in July and students begin in August/Sept.  Since your timeline seems to be "stepped-up" by a few months, you should probably have heard something from them by now.  Don't worry too much, though. They will tell you if you are missing anything.  But you'll never know if you don't ask.
80919
If you just paid them of it will usually take about 30 days for that to reflect on your credit report.. how bad is your credit if is under 600 you should contact a company called nations point.. 800-770-4277 or H&R Block Mortgage  they usualle work with people that have less than perfect credit.. if you credit score is under550 you should waith or else your interest rate will be really high .. if your credit score is over 600 or better then call E-loan they have some really good programs .. that might be able sutable for you. I work in the mortgage industry