freshman year college, full time student not working have federal loans can i apply for more? or is there any loans out there that do not require a co signer or a job?
211143
If you have already received $2625 in Federal Stafford Loan funding, you aren't eligible for any more this year.\n\nNote: if (a) you are independent [officially, as determined by your FAFSA and/or your school] or (b) your parents were denied a PLUS loan, you can receive another $4000 in Unsub Stafford as a Freshman.\n\nYou might be eligible for a Federal Perkins Loan (if you demonstrate financial need).  Perkins Loans are administered by your school and it us up to them to decide if you will receive one.\n\nBeyond that, you could apply for a private loan.  It can be hard to obtain private loan funding as a Freshman, particularly if you don't have a co-signer.  Do you have credit?  If so, you might be eligible for any number of private loans.  Check out finaid.org's list, here: http://www.finaid.org/loans/privatestudentloans.phtml
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.
5056
You have several options to help pay college expenses.  Your first step should be to fill out the FAFSA (Free Application for Student Aid).  Depending on your financial need you might be eligable for a pell grant from the government to pay for your tuition and books.  Your second option is to apply for scholarships at the college you wish to attend.  Contact the financial aid office to see what is avaliable for the career that you are wanting to enter.  Another option is a work-study program where you work at the college and they give you money in return to pay towards your college education.  More information about work-study programs is avaliable from your local college financial aid office.  As a last resort you could get a student loan, but remember that you would be responsible for paying it back with interest.
427777
I got a job at the university I am attending.  Most places let full time employees go to school there for free. It means that I can only take classes part time, but I was not up for getting myself into more loans like I did when I was an undergrad, and I don't have enough money saved to pay full price.  \n\nYou've already checked into financial aid, I assume.  Grants are another good place to look.  Sometimes you can even get an award or grant from your undergraduate institution.
23437
You could get a student loan to help pay for college, but they check your credit as a condition to see if you are approved.  If you need extra money to go to college you should definately fill out a FAFSA application for the pell grant.  There is no fee to apply, and if you qualify the government will give you free money to go to college based on your financial need.
616351
apply for a subsidized or unsubsidized loan or both through financial aid at your school. There is not a credit check or anything, just apply before the deadline, go through a brief orientation and sign a promissary notice. You can also find out about workstudy and scholarships. Here is a link below to explain to you about the loans I mentioned to you above.\n\n\nhttp://www.michigan.gov/mistudentaid/0,1607,7-128-4221-8419--F,00.html
242255
Your school probably isn't accredited, so they are not allowed to participate in Federal Student Aid programs, nor will your attendance there help you obtain the types of private loans intended for traditional students.  But there ARE private student loan lenders out there who cater to students in your situation.  What you need to look for is a "career" loan.  Try any of these:\n\nSallie Mae: http://www.salliemae.com/apply/borrowing/career_training.html\nStudent Loan Xpress: http://www.careerxpressloan.com/\nSunTrust: http://www.careerxpressloan.com/\nWells Fargo: https://www.wellsfargo.com/wf/student/loans/undergrad/career
315925
Yes U can get a loan from any bank -check out the main branch of any bank -lots of banks provide the student loans.
313397
The poster above me is uninformed.  There are limits, but they are higher than most people think. Your friend could absolutely have received $20,000 or more in student loans in a single year if...\n\n(1) s/he is a graduate student (particularly one who borrowed both Stafford and Perkins loans this year)\n(2) s/he is an undergraduate student who borrowed private loans (most of which have no [or high] limits)\n\nAssuming you fit the eligibility criteria (you're enrolled at least half-time at an accredited school, have room in your Cost of Attendance, etc.), you can borrow the following amounts of Stafford Loan funding:\n\nUNDERGRADUATES:\n\nFreshmen: $2,625\nSophomores: $3,500\nJunior/Senior/Fifth-Year: $5,500\n\n*Independent* undergraduates are eligible to borrow additional unsubsidized Stafford loan funding: $4,000/year for Freshmen/Sophomores and $5,000/year for Juniors, Seniors, and fifth-year students.\n\nThe Federal Perkins Loan limit for undergraduates is $4,000.\n\nGRADUATES:\n\nLoan limits for graduate students are much higher.  In general grad students are eligible to receive $18,500 per YEAR in Stafford Loan funding.  $8,500 of this amount can be subsidized.\n\nPerkins Loan limits for Graduate students are $6,000.  [Add the Stafford max to the Perkins max and there you have your $20 grand!]\n\nHealth professions students are eligible for additional  Stafford loan funding.  The amounts for this, however, vary by course of study.  For specifics, see the link below.  You will notice that, for some students, their annual limits are HUGE.\n\nAGGREGATE DEBT LIMITS:\n\nThere are aggregate ("overall") debt limits that MUST be taken into consideration when calculating a student's eligibility for these annual limits.  A student would become ineligible to borrow student loan funding those funds would exceeded his aggregate debt limit.  Stafford aggregate limits are as follows:\n\n* $23,000 for a dependent undergraduate student,\n* $46,000 for an independent undergraduate student (or a\ndependent undergraduate student whose parents do not qualify for PLUS loans), no more than $23,000 of which may be subsidized.\n* $138,500 for a graduate or professional student (including\nloans for undergraduate study). No more than $65,500 of this\naggregate amount may be in the form of subsidized loans.\n* $189,125 for graduate health professions students, no more than $65,500 of which can be subsidized.\n\nNote: loan limits are set to be increased beginning with the 2007-2008 academic year.
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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.
77526
As long as your loans are not in default you can get federal financial aid if you're attending an accredited college or university and enrolled in a degree program. \n\nYour current loans will be deferred while you're in school.This means you dont start repaying the old loans and the new loan until 6 months after you graduate. and if there is a problem- maternity or unable to find a job etc, you can request an additional deferrment.\n\nYou should look at grants and scholarships for adult students as well as check out any educational reimbursement program your employer might offer. \n\ngo to the fafsa website www.fafsa.ed.gov and complete your application after you have filed your taxes because you will need info from your tax forms. you can apply for aid there. also check with your state financial aid office or dept of education, they will tell you about grants or scholarships. finally check with the university you are going to and see if they offer adult student scholarships\n\nFinally, decide if you are going to franklin pierce- or another university. make sure you dont owe any money and get your transcripts and take them to the new school to see if your credits will transfer and talk to the readmission office at your old university to see if it would make sense to just finish up there.\n\nAnother bit of info: check out about.com's money site to find out about rebuilding your credit after bankruptcy. As long as youre paying your bills on time, you will be able to rebuild your credit, maybe starting out with a department store credit card and then a Visa or MC from a bank that you only use once a month and pay the entire balance on each month just to build a payment history. \n\nCongratulations on deciding to continue your education and Good Luck!!
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Have you applied for Federal aid?  Federal student loans like Stafford and Perkins are always your best bet. \n\nYour FAFSA serves as your application fro federal student loans. Your school will use it to determine your eligibility for Federal Student Aid, including federal grants and loans. Almost every FSA applicant is eligible for some type of Stafford loan funding: your school will inform you via letter or email (sometimes a dedicated student financial aid "portal" on their website) of your eligibility (loan type, amount, and whether the interest on loan will be federally subsidized). They will also let you know if you are eligible for a Perkins Loan and/or any grant funding from the federal government, state, or the school itself.\n\nIf you require additional loan funding that your school cannot pro vide, you will need to look into private educational loans.  Try this website for a great list of reputable loan companies: http://www.finaid.com/loans/privatestudentloans.phtml\n\nAmong the ones on this list, the Sallie Mae Signature Student Loan is by far the most widely-used private loan.  You might also consider the Citibank CitiAssist Loan at www.studentloan.com or the TERI loan (which you can apply for on www.teri.org, which should give you your choice of lenders).\n\nOnce you select a loan and apply for it online or over the phone, the company will notify your school that you have applied, check with them to make sure you are eligible, and disburse your loan according to the schedule that the school sets.  If you have any questions, just ask your school -- even very small schools see hundred of thousands in private loan volume every year.
159998
Well, did you look into any state specific scholarships? I applied for four in my state. Banks, and local institutions might have scholarships avaliable in your town, too. I'm planning on applying to a few fastweb.com scholarships as well... Not to sound obvious, but did you check when you were supposed to hear back from the organization? Did you turn them in on time? If yes, then there is nothing wrong with calling and say "Hi, I applied for your scholarship ____ number of days/months ago, and was wondering when I should be hearing about that." As long as you don't call obsessively, there's no harm in asking.  Also, if you don't get enough of your financial need met, when the school year starts you can ask the school if there were any unaccepted scholarships/funds/grants that you would be eligible for or to apply for. Make sure you call your school about that $35K sum. Did you file the FAFSA? Is that your EFC? If it is, make sure to ask your school what their policy is on applying scholarships toward the EFC. And lastly, usually the school has scholarship, grant and loan information on their website in the financial aid section. Hope this helps, and good luck!
496607
You need to go to the school and apply with a financial aid advisor. I got a loan with no cosigner, bad credit, no job. My loan covers all that my scholarship and grant will not cover.
143222
If your parents are not claiming you as a dependant I think you can file out the FAFSA without them.  I would definitely check with your college's financial aid office.  Plus there are lots of scholarships out there, go to the library, go to the internet, and go to scholarship search websites (I listed several down below).  As to loans, most banks have loans you can get with decent percentage rates.  Just go to your local bank and see what they can offer you.  I know all the national banks have loans for students (Bank of America, Wells Fargo, etc.).\nI hope this helps you out.
276450
When you signed the promissory note for your student loan, one of the "Rights & Responsibilities" that you agreed to was that you would repay your loans even if you do not graduate, do not obtain a job in your chosen field of study, etc.\n\nThat said, it sounds like you might be a candidate for a Economic Hardship Deferment, which would allow you to defer payment of your  loans (including any the interest on any subsidized loans).  These deferments can be hard to obtain, though, particularly if you have income.  However, if you are not eligible for this type of Deferment, you can apply for student loan forbearance, which is much easier to obtain.  In a forbearance, you will also not be required to repay your loans -- however, they will continue to accrue interest during this time.\n\nWhatever you decide to do, make sure you call your loan holder (usually a lender [like Citizens Bank] or a servicer [like Sallie Mae]) before you miss any payments.  Good communication is the best way to get a lender to work with you.
450346
Have you applied for student loans?  I, too was ineligible to receive grants because of my parents' income.  I paid for my undergraduate degree with hard work and student loans.  Pretty much anyone can receive a Stafford or Perkins loan, regardless of their credit history.  You should talk with the financial aid office of your school.  They can help you with the paperwork and inform you of your options.