I'm looking for a student loan but have bad credit. Wheres a good place to apply for one? websites and such?
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
1182948
Generally, you can get a student loan regardless of credit. You should always fill out a FAFSA and then still look around for other student loans.
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
771238
YES :)  There are companies that lend to those with bad credit. Ditech.com is one.\n\nThe interest rate may be nasty but you can get a mortgage. There are also companies that own homes that sell them to less than perfect credit.\n\nBuild your credit back up. Get a credit card and put everything you usually buy on it BUT PAY IT off every month. If you have judgments, pay them. Charge offs, wait and dispute them with the credit agency..most can't prove them because they are junk debt.\n\nGood Luck
724962
Their are all kinds of companies out there to help you. The only bad thing about them is they charge you a very high rate . Look on the Internet for: Amazon.com,  United Credit Help  Or the best ,  Quicken Loans. They  charge a higher rate ,but they work with people who have NO credit or very BAD credit. I wish you the very best of luck & I hope this helps..
1130856
fafsa.ed.gov would be a good place to start.  (Free Application for Federal Student Aid)  you fill out an application and based on your income, and your parents depending on age, they will determine the amounts of loans and grants that you will qualify for.  You can accept none, some, or all of the various monies you qualify for.
630266
go here...\nhttp://loans.mamayek.com/studentloans.html
63163
You should probably go to the fafsa.ed.gov website. From there, they have a link to the Direct Loans website. You may need to contact them to possibly see what they can do to help you. \n\nGoing into default on loans can have really bad consequences. So I urge you to check in with them to see.
1139002
It is never too late! I am fifty six years old. I am going to graduate school this year for a doctorate because I dont want to retire and I want to make more money.\nGo to www. fafsa. com to apply for student loans RIGHT NOW! because the deadline is June 30th this year for the 2006-2007 school year. You can get grants and loans for poor people with bad credit because the govt. guarantees the loan. For more info,go online to www.ask.com and ask! Pick a college close to home so you can catch the bus there. Pick that college now, today!\nIf you dont go to college, not only will your credit file stay in the toilet.your life will be there too!\nGood luck son.
1179592
For the best no hassle student loans go with the government. The William D. Ford Federal Direct Loan Program, administered by The Department of Education, is not out for profit like the commercial institutions, does not sell your loan and does not jerk you around like the commercial guys do.\n\nI am getting all my other loans consolidated with them because I am sick and tired of the commercial profit making outfits and the problems they have caused me.\n\nThe William D. Ford Federal Direct Loan Program\nhttp://www.ed.gov/offices/OSFAP/DirectLoan/index.html
907816
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.
1140848
check the link on my profile it might suite your needs better\nquote from the site\nWe have over 80 Little-known Banks & Companies that offer Bad Credit Loans, Bad Credit Home Loans, Bad Credit Auto Loans, and Bad Credit Personal loans to people with Bad Credit or even a Bankruptcy. Many require absolutely NO COLLATERAL & NO CO-SIGNERS. Home ownership is not required.
870197
I had really crappy credit and was able to get a student loan.\nStudent loans aren't the same as bank loans, you fill them out along with your federal grant application and they base the award on factors like what year you are in, if you've progressed since the last loan (so you can't be a freshman for five years), if you're making acceptable grades (C average) and your need.\n\nSign up for everything, grants, work study and loans so the loans will be the smallest award since the others will cover the rest of it - and you will have less debt in the end.\n\nAnd turn your car in and cut your losses.
796405
try borrowing from prosper.com. It is a people to people lending site that's getting very good reviews. Good luck..
1012410
To be honest, another loan is probnably the last thing you need if you already have a bad credit history. It will just make the situation worse.\n\nYou should concentrate on reducing your expenditure and increasing your income.
503885
try Prosper.com.  If you meet a minimum credit score criteria you should be able to get a small loan with a decent interest rate and low payments
1176321
Federal loans are not credit based.  You should not have a problem getting on.  Also there may be scholarships and grants available through your school of choice.  Have you considered applying for work study?