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Private Student Loans No Credit Check

Josephine Said:

BestPrivate student loan without cosigner(Check sent to me, not school)?

We Answered:

You will not be able to get a private student loan without a cosigner. Student loans that go directly to the student are non existent anymore. In order for you to get a private student loan you will have to have a cosigner with good credit and a stable, high income. The loan money will go directly to the school and if everything has already been paid for, like your tuition and fees and such then the school will send the excess to you to pay for housing and misc. Unfortunately, the usually don't release the excess funds until four weeks after the semester has started so if you are needed it before then you are out of luck.

Lloyd Said:

Does anybody know a private student loan which disburses funds directly to the student?

We Answered: - it provides some tips about applying to US federal and state grants for college students.

Ken Said:

Private student loans - overwhelmed and don't know what to do?

We Answered:

Calm down you are not alone. I have 66K in student loan debt. I received my MS in 2008 and had no job offers. So after going through what you are going through I decided to go back to school. I am working on my Ed.M from St. Joseph's College in Maine which mean my loans are back in forbearance and I qualify for full loan forgiveness when I teach according to the TEACH grant.
I am sure you can teach with your degree and that will write off some of you debt as for the private loans see if they will put them back in grace if you either unemployed or in school. I know adding more debt sounds crazy but it was all I could think of and I am happy with my decision.
Also see if you can consolidate all of your loans which is what I did as well. One bill that I dont have to worry about until I graduate next year and then I will be teaching so I ma not even worry about it then.

I gave you some links to check out.

Alex Said:

Student Perkins Loans were canceled for my WHOLE university?? Why, how, and who to call,?

We Answered:

I don't get it. Perkins Loans are a federal program, not a state program, so I don't understand how your Perkins Loan was affected by the Cal State budget mess. The only thing I can think of is that the entire program ran out of funds, or that funds are dispersed by state, and Cali used up its allocation early. Wow.

If you withdraw from school, your loans will require you to start repayment in 9 months, and you won't have a degree. That's not an option.

You only have 24 credits left. That's two semesters. We need to find you a way to stay in school. Some options:

- Ask your school about becoming a resident assistant, and live on campus. Give up the apartment. RAs are the students who live on the hall and plan programs for students. You often get free room with that job.

- If you currently are not sharing an apartment, do that instead of living on your own. If you do have a share, ask your roommates if you all can take in an additional person, and share your room with them.

- Get a part-time job and earn the money. Do you already work? You may need a second job. Try to get a job on campus, because those tend to be the most flexible re: studies. Security, for example, is great, because you can study on the job.

- See if the school itself will loan you the funds. Not many schools will do this, but some will. You'd then need to pay back the school before you graduate - but if you worked during the term and made payments, you could do so.

- Join the National Guard or military reserves. They'll pay for your schooling.

- Speak to your department head. Are you a good student? It's worth discussing your situation with the head of your academic department. If they have any merit scholarships to give out (if, say, someone had said they'd attend, got the scholarship, but then chose to go elsewhere), you may get it. Don't count on this. It's a 1/1,000,000 chance, but it's worth a shot. BTW, don't ask for the scholarship. Just tell him your situation, and ask for help.

When I was a sophomore, I was short of funds, having spent all my money on my first year. Even with financial aid, I had unmet need, as you do. I was desperate. I did all of the following:

- Spoke to my dept. head, who gave me one of the scholarships I mentioned. I just about died. That covered tuition. Believe me, I know I was blessed. I then needed to fund the rest, so I...
- Got an extra job on top of the jobs I already had, and
- Became an RA, for the free room.

My back up plan was the US National Guard.

I want you to finish school, but you may need to do some/many of the things I suggested, to get through the year. But Cal Poly SLO is a really good school, and you are SO close to graduating, it'll be worth it. If it's the National Guard, it's the National Guard. You do what you have to do.

Antonio Said:

Student Loans and More?

We Answered:

First of all, very good research, very commendable! You are correct when you say that private student loans require good credit or a co-signer.

However, federal student loans do not require a credit check, which you are also correct about. However, federal student loans are in fact need based and this is determined by filling your FAFSA form (free application for student aid). This will help you compute your expected family contribution as compared to how much it will cost for your schooling. The sooner you fill out your FAFSA form the better; this will ensure that you become eligible for the maximum financial aid available to you.

Grants available to you are also determined when you fill out your FAFSA form, and these are government help that does NOT need to be paid back, unlike the Stafford and Perkins loans.

Hope this helps you out, good luck in your college career!

Ruby Said:

Private student loan requiring me to make payments while in school?

We Answered:

First thing you need to do is calm down. A loan company cannot send you to jail because you are late on payments, so take a deep breath and count to ten.

What you need is to consolidate all your debt together so you are making just one payment a month. Have you looked into doing that? Most banks can help you out there, or if you want to get rid of some of this tension altogether, have you thought about trying a debt solution company? Most of the time they can help you not only consolidate your debt but can help get the numbers crunched so you're only paying a fraction for what you owe in the long run.

Paying a ton of bills at once is a lot worse then getting one simple check every month. I would look into it.

Also - if you are truly hunting for a job, I would look into unemployment and food stamps. These can both get you a little money to help you get along. Unemployment varies from state to state but the overall guidelines is that you are searching for a job and unable to find one, and need to pay bills in the meantime. Food stamps, while not cash you can use for your bills, is still money that you can use towards eating so that you have the chance to pinch every penny you get.

I hope everything works out and that this advice helps you out some!

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