Where can I get a student loan that doesn't require a co-signer?
603678
Don't do it! It's a trap!
482783
Are you looking for private student loans or federal loans. Check the FAFSA website. They should have some good links. I am not sure of the exact web address but you can type it in to any search engine. \nAlso, I had student loans through Citibank and Key Bank and they have been really good. Try studentloan.com also. I personally wouldn't recommend Sallie Mae's student loans to anyone, as I have had a number of problems myself. Just make sure you check interest rates!!! That was something I never did when I was looking for loans because it wasn't important to me at the time. Now that I am paying on them, I wished I had paid more attention!
1164913
It is possible, if you go to your bank, and see if you can get a small unsecured line of credit for about $5,000.  \n\nyou will need to have a good credit rating, and employment income, but depending, you may be ok without a co-signer. \n\nIf you have little credit, but you have paid (at least) the minimum by the due date, your rating will show you are responsible, and the bank will most likely authorize the line for you. \n\nGood luck.
1137677
Get a co-signer with a good credit score. If that isn't possible use a company like American Finance or something equal to that, they are usually loan only businesses and not banks. Most of them make their money from 3rd party loans like when your local furniture stores says "No money down no payments until 2007" it is done through these little loan only businesses. Your interest rate may be close to 20% but you are more likely to get a loan if you can prove your income and their requirements on credit scores are much lower. Another long term alternative is to take out a small loan with a bank, not use the money and pay it back over 2 or 3 payments (months). Yet another option is to join a local credit union; credit unions give loans easier and if you have a co-signer who belongs to the same credit union there shouldn't be a problem. Remember most credit unions do not report anything to the Credit Companies unless you default or stop paying so being in good standing with your local credit union won't help your credit score. You can also offer to have the payments directly taken from your paycheck... this is sometimes very helpful if you have been at the same job over a long period.
863104
Yes. Regular stafford loans do not require a cosigner, they are not credit based. Sallie Mae offers these as do many other banks like Wells Fargo, Chase, US Bank...the list goes on and on. Follow the link below, it is a great resource that will answer many of your questions.
531566
Don't be depressed -- there are a lot of students in your position who manage to finance their education without grant aid and still achieve success professionally and financially.  You can take out a private loan (focus on private *educational* loans) to cover your educational costs.  If you have someone who is willing to co-sign for you, all the better!  Typically, having a creditworthy co-signer will help you get a lower rate than if you apply on your own.  There are plenty of loans out there that don't require you to have a job history (and, again, even if they do have more stringent criteria, you will generally be OK if you apply with a co-signer who fits those criteria).\n\nFor a list of private education loans, check out www.finaid.org, here:  http://www.finaid.org/loans/privatestudentloans.phtml\n\nOf all of these loans, take a look at Sallie Mae's Signature Loan, which is the most popular private educational loan product out there.  In fact, I don't believe that Sallie Mae has a job history requirement (so this might be perfect for you, particularly since SLMA offers interest rate incentives for students who apply with cosigners).  Citibank is the second largest lender after them and they require either income OR a good credit history.\n\nIs this year-long program done by semester?  If so, most schools will want you to pay once per semester (2x per year), but it will vary.  Check their website or give them a call.  \n\nEDIT: Most lenders will require your school to certify your loan application, at which time they will certify that you are not borrowing more than is allowed.  Usually the maximum that your school will allow you to borrow is based on your overall educational costs -- which typically include tuition, room/board, books/supplies, transportation and and fees (though it is up to the school to decide what they are willing to include).
440425
First, apply for Federal Student Aid online at www.fafsa.ed.gov.  Stafford and Perkins, two of the loans that you might obtain upon filing the FAFSA require NO CREDIT CHECK. Your college Financial Aid administrator will use your FAFSA results to determine your eligibility for these funds. (Federal grant aid [Pell and SEOG] and non-loan Federal self-help aid [such as work-study] are also awarded without regard to a student's credit rating.)\n\nOnce you have exhausted your options for Federal Aid, look to your school for other types of funding. You would do yourself a disservice if you didn't go to your college for Financial Aid information! Plenty of schools have their own non-credit-based no-interest (or low-interest) loan programs.\n\nThere are non-federal (called "private" or "alternative") educational loans that you can borrow to supplement your federal aid package. You need to be very careful, because any loan that you can obtain without credit OR a cosigner will probably have a very high interest rate. Borrow conservatively.  First, try the first two loans listed below -- if your credit isn't horrible, or if you have a co-signer, you may be approved.  If you aren't approved or if you don't have a cosigner, try the latter two loans as a last resort (as the rates tend to be higher).
316870
There are loans that do not require any documentation, or only require verification of assets.  You will need good credit, and might need to put money toward a down payment to keep the interest rate at a decent level.  Call a mortgage company.
396203
go here there are lots of loan programs that may help you http://www.allsolutionsnetwork.com/cgi-bin/d.cgi/CB9051/no_down_loans.htm
226166
Federal Aid is always your best option.  Even if you are not interested in the loans the the Department of Education provides, most scholarship organizations (including *colleges* that offer scholarships as part of their financial aid packages) are going to require you to file a FAFSA (to demonstrate your financial need).  Your loan default (I'm assuming here that your default was on a Federal loan) will show up on your FAFSA, plain as day and preclude you from obtaining further federal aid... that is, until you clean up your record.\n\nAs such, you need to resolve your default (not simply because you need Fin. Aid now but because a loan default will haunt you and your credit report for years).  Once you are out of default (which usually means making a certain number of on-time payments), you will again be eligible for Federal Aid and you will be much better off.  In fact...\n\nIf you are an independent student seeking your first undergraduate degree, you will not only be eligible for federal loans but grant aid as well (depending on your financial need).\n\nIf you choose not to resolve your default: there are private loan companies will still give you a loan.  You can do simple internet searches for education loans, but to make sure that the company you choose is legitimate, check with your college Financial Aid administrator. If you *must* go this route, it is in your best interest to pay attention to interest rates and repayment terms (remember: your loan default affects your credit which in turn affects the rate that you receive on your private loan).\n\nGood luck!
610916
Two of the major Federal Student loan programs -- Stafford and Perkins -- are unique in that they require absolutely NO credit check. In fact, Financial Aid Administrators are forbidden from checking your credit as a condition for receiving these loans. You don't even need to show financial need to obtain an Unsubsidized Stafford Loan -- as long as your school is accredited, you are enrolled at least half-time as a regular student, and your other financial aid doesn't exceed your Cost of Attendance, you will be offered a Stafford Loan. In this sense, Stafford Loans are indeed an entitlement.\n\nIf you have "maxed out" your eligibility for Federal loans, there are private companies that will lend you money even if your credit is bad (which you're fixing, I hope?). If you need a private loan, do your best to find yourself a credit-worthy co-signer. This will always be your best option. You might be able to obtain a loan with a "cosigner release." This release lets your co-signer "off the hook" once you make a certain number of on-time payments (4 years is typical), so you receive the interest rate benefit of a cosigner with minimal risk to that person who has helped you obtain the loan.\n\nIf you don't have a co-signer, you will need to be selective. Don't apply for loans indiscriminately -- every inquiry into your credit is another "hit" on your credit score. First, review the huge list of private loan lenders on FinAid's website: http://www.finaid.org/loans/privatestude... ... Go to each lender's site 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). Some companies you might want to focus on: Access Group, Campus Door, Wells Fargo. \n\nBe careful when searching online for companies that specifically claim to offer loans to people with bad credit (companies like Astrive are questionable because they bypass the school). Make sure the company has a good track record before you commit to a 10-30 relationship with them
97715
First, it depends on what type of loan you're looking for, but the general answer for that sort of amount is you won't get it unless you get a very good co-signer.\n\nTalk to a couple of different loan providers and ask them what their requirements are, that's the best way to go about it.
998226
Some reputable lenders...\n\nSallie Mae Education Loan Trust (as opposed to Sallie Mae Servicing, the better-known loan *servicer*)\nCitibank\nCitizens Bank\nBank of America\nNelnet\nAMS\nEdAmerica\nNellie Mae\nAccess Group\nCampus Door\nKey Bank\nMEFA\nNational Education\nWells Fargo\n\nFor a longer list, try this website: http://www.finaid.org/loans/privatestudentloans.phtml\n\nRemember, not all student loan lenders are created equal.  In general, try to avoid lenders who get their business by bypassing the Financial Aid Office ("direct marketing"), lenders who specifically target applicants with bad credit, or lenders that haven't been in business very long. Look for a company with a good reputation that offers a loan with terms that make sense to you.
1162923
In the US fill out your FAFSA form to find out, you will more than likely be able to get a loan, but it won't be great.\n\n\nwww.fafsa.gov
1089054
It depends on the type of loan (Federal, state, private, or institutional).\n\nTwo of the major Federal Student loan programs -- Stafford and Perkins -- are unique in that they require absolutely NO credit check. In fact, Financial Aid Administrators are forbidden from checking your credit as a condition for receiving these loans. You don't even need to show financial need to obtain an Unsubsidized Stafford Loan -- as long as your school is accredited, you are enrolled at least half-time as a regular student, and your other financial aid doesn't exceed your Cost of Attendance, you will be offered a Stafford Loan. \n\nThe Federal PLUS loan program does require the borrower to undergo a credit check, but it is usually a fairly "shallow" check. Most PLUS lenders just want to see that you haven't defaulted on any other student loans.\n\nLenders of private loans will perform a credit check and, if your credit is bad, you may be denied for a loan through them. However, if your credit is less-than-perfect, you can apply with a co-signer and their credit will act as a sort of "stand in" for yours. (Some borrowers have a tough time getting a friend or family member to co-sign their loan, since, technically, the cosigner is responsible for the loan payments if you aren't good about keeping up with your payments. However, you can seek out a loan that offers a "cosigner release" so that, once you've made a certain number of payments on-time [36 or 48, typically], your co-signer will be let "off the hook.")\n\nEvery company will have slightly different credit criteria, so you might get approved for a loan at one company but denied with another. If you're interested in learning more about the various lenders' credit criteria, start with the list of private loan lenders on FinAid's website: http://www.finaid.org/loans/privatestudentloans.phtml . You can go to each lender's site and read the terms and credit criteria of their loans until you find one that's right for you.
769405
Definately go with the credit unions!\n\nI quit using banks a long time ago because I was tired of their fees.  Everything I did cost me something.  When they decided to start charging me for statements I left them.\n\nMany of the people I counsel also have had much more success in getting loans from credit unions.  But student loans???  I can't say.  They were much easier with secured loans.
434578
Are you looking for student loans that don't have to go through the school? Where the disbursements come straight to you?  These are not the norm but they do exist.  However, generally, any time a loan doesn't pass through the Financial Aid Office (which double-checks your eligibility), the loan is more high-risk and, therefore, the interest rates are higher.  If you must go this route, consider the following loan:\n\nSallie Mae Tuition Answer Loan :http://www.salliemae.com/TuitionAnswer/students/TA_students_FT.asp?hhkey=&dtd_cell=webcmpn&bd=tuitionanswer&p=TA&lgo=&promocode=TA_WEB\n\nIf memory serves, some companies such as Academic Finance Corporation, TERI (for their Continuing Education Loan) and Wells Fargo (for their Collegiate Loan) allow funds to be disbursed directly to the student --IF the school agrees to it (the companies often let the schools decide if they are comfortable with this kind of "free for all" borrowing)... If you don't want to ask your Financial Aid Office, you can try calling the company to see what your options are. \n\nRemember: student loans are meant to be used for educational expenses.  You should make every effort to make use of your Federal Student Aid options before considering borrowing privately.