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Finally, if all else fails you will need to contact banks and financial institutions. They will more than likely be happy to lend you the money, but it will be on a higher interest rate than usual. When you have bad credit the banks will check out your personal credit score first and then offer terms based on the credit rating assessment. Take heart, even if your bad credit student loan is set at a high interest rate, numerous-->student loans defer your payment until you have finished college. This in turn will allow you time to improve your credit rating and when you leave college you could then look into consolidating your bad credit student loan at a better interest rate. This will mean your monthly payments will be at a lower level and therefore more affordable.If your credit is bad and you do not have a co-signor it will be difficult to get a loan. If you do manage to get one the interest rate will be high. Your school should have a list of lenders it can give to you. Here are some of the ones my school uses:
Citibank - 800-967-2400
CLC - 800-892-6077
Sallie Mae - 888-777-9959
Wachovia - 800-338-2243
Wells Fargo - 800-658-3567
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SAMMIELOANS@yahoo.com.good luckFederal Student Loan is the most common college student loan. There are mainly two kinds of federal student loans i.e. subsidized and unsubsidized.
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Subsidized college student loan: Government pays the interest whilst the student is attending the college.
Unsubsidized college student loan: there is no interest free period and you will have to pay the interest with principal amount, after completion of education.
Not all students qualify for a federal student loan. In case when students are unable to grab a federal
student loan, there is another kind of student loan known as private student loan. Many lenders offer private student loans and the rate of interest vary greatly.
Private student loan also known as personal student loan or alternative student loan will help you paying the college fees, hostel rent, stationary and other expenses, at much competitive interest rates than credit cards. Nevertheless, private student loan should be only used when there is no option left. You should be very cautious while borrowing money from the lender, as you will have to pay it back with interest.You can't just "claim" yourself as independent. You must meet criteria to be independent. You must be 24 years old, married, have kids, be a veteran, be an orphan, or have a bachelors degree. Unless you meet this, you aren't' independent. Even if you don't live with your parents or they don't support you or even if they don't claim you on their taxes it doesn't matter.
You need to consider federal student loans to pay for college. You do not need a cosigner or good credit. There is a limit on how much you can borrow, but if your school is more, than you need to find a cheaper school. Good luck. Here is a good publication about loans and the interest rates and the max you can borrow.