my college wont approve me for a loan due to first sememester/grant wont cover expenses/bad credit/no cosigner
818815
Are scholarships an option for you? Bad credit and no cosigner aren't good risks.
312490
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]
741244
There could be a problem with your fincial aid, you should make sure that you have filled out all of your papers for financial aid and call them to make sure that they have them all on file.\nThe Promisery note\nAnd The Loan Entrance Couciling papers\n\nIf they have them all talk to your school billing, if they don't help you have fincial aid talk to them and resolve it
209372
I suggest you apply for EVERY scholarship that you qualify for. Also, make certain you fill out a FAFSA. The best loans are federal loans. You have subsidized and unsubsidized loans. I suggest you read what FAFSA has to say about them, it will help you a lot. ALSO, make certain that you ONLY accept loans that can be consolidated. Some can not, and that can create quite a problem in the future. Also, the financial aid offices at the colleges you are applying to will be able to give you information on grants, scholarships, and loans available to you. However, you have to ASK them for that info. They will not send it to you automatically. Please go to these websites for more information:\n\nhttp://www.fafsa.ed.gov\nhttp://www.finaid.org
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.
1169836
You cant get financial aid, you have to pay them in cash or credit
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!
389878
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 used 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!  The Financial Aid/Financial Services staff will have additional information about scholarships, fellowships, and other types of financial aid that you can apply for through them. Many schools even have their own non-credit-based no-interest (or low-interest) loan programs. If you don't ask, you will never know.\n\nIf you must borrow a private/alternative loan to supplement your Federal and institutional aid package, ask someone with *good* credit to co-sign the loan with you.  By doing so, you could be approved AND obtain a better interest rate.  if you have no co-signer, there are still other loan companies out there that offer loan products to students with poor credit.  Here, too, is a place where your school's Financial Aid office can help.  Even if they don't have a list of loan companies for you to look at, they should at least be able to tell you whether the loan companies that you are considering is reputable.
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).
1079416
Based upon your writing skills, the lender could not figure out what you put on your application.\n\nAs for your question, what are you trying to say?  I would recommend that you write your question on word first.  Under tools hit grammer and spell check to see if a second grader could understand you.
531266
oh honey i'm sorry to say but that's impossible. why dont you try applying for loans?
144768
The college does not take your money, the government takes it and gives it to the agency that has filed a claim against you. If you have received aid for school and did not pay it back, then there you go. It is legal. It is in the fine print when you apply for student loans.
250377
never mind grants, do what i did. pay a small amount each month on the default loan but make sure you always pay it.find a friend or family member with good credit and have them co-sign with you on another student loan. pay the lest possible a month for this loan. trust me when you are finished school and making your payments each month and on time you will have a degree and good credit.
109857
There is always a loan provider willing to make a loan. The terms may be unfavorable..this is how the loan institution compensates for the risk. Attempt to find out why you are being turned down and fix that problem.
705829
This unfortunately is just life. Do not loan anyone money or housing or food or anything else that you can't afford to lose, because you will be disappointed this way. Next time you get into a deal like this, have the other party sign an agreement (at least you will have it in writing). That won't get you paid, but it will make it easier to pursue should you choose. You will find that it is best to avoid these situations entirely. \nNow, that said, you could send him a bill (do this on your computer - make it neat, and then print him a copy). Mail it to him and be specific what the charges are for (dates of the stay, etc). Give him a phone number to call to discuss it. Mail by registered mail requiring an acceptance signature. If he does not respond by phone, send another letter the next month (same rules). He may just get tired of it and pay up. If he doesn't pay up, you will have a little documentation to rest charges on. I don't know how much we are talking about here, but it may be better to just chalk it up to experience, and be smarter next time. I have had to do that a few times as lessons learned. Good luck with your problem - hey, at least you don't still have the moocher living with you.
774254
Hi tthere Kit t,\n\nWhat happens alot of the time is when consolidating the lender does not consolidate all of your loans..\n\nIf this happened to you then you will actually be in luck,...\n\nIf you have one outstanding loan, my compnay can then consolidate you again by consolidating what ever samll loans you still ahve out there into your large consoliodated loan..\n\nThe reason this will benefit you is because we will offer you up to 3 years of forebarence at that point..\n\nMeaning, you wont have to worry about making a  payment to prioncipal or oibnterest for 3 years.. You can choose to send interest payments if you choose, but you will not be obligated..\n\nThis is what ido for alot of students that are looking to go back to school.. It can give you a little more breathing room until you are working full time makin genough moneY..\n\nGive me a call when you have a moment.. I would =eb happy to pull up yopur loans on the NSLDS (national student loan database system) This will tell us if we can re-consolidate you or not..\n\nAlso feel free tio check us out online.. Here is a link to my yahoo 360 profile which has links to our website as well..\n\n\n\nhttp://360.yahoo.com/profile-HlUDUhMib7M9Wlj6o6L2SfGcEYtkt9xsaQ--?cq=1\n\n\nLook forward to hearing from you!\n\nJason Fry\nStudent Aid Lending\n1-800-964-0642 ext 114\njasonf@studentaidlending.com
159912
get all the grants you can.  they are free.\nget all the scholarships you can.\nwork on campus if you can (office work, library, gym work, physical plant work, yard work, swimming pool work, game room work, food services).\n\nborrow the money (student loan).  the interest rate will be low.  you won't have to begin paying it back until about 9 months after you graduate.  Payments will start low.  You'll have 10 years to repay the loan.  If you run into difficulty, they even have a forbearance program that won't scar your credit.\n\ndon't be afraid.  you can do it.\n\no!  another thing.  if you can, rent out a spare room for the money.  choose a roommate who might be willing to help with the kids now and then.  easyroommate.com may be useful for you.