Dawn Said:

What private company offere student loans no credit require?

We Answered:

To be honest with you, I don't think there is ANY private lender that will loan anybody money without doing a credit check. Like the above poster said, that is the only way they can protect themselves from people who have a history of not paying back debt that they owe. With a stafford or perkins loan, the government will back the lender up in the event that you do not pay, BUT if you think that the goverment will not get their money back, you are wrong. They will garnish your wages, withold your income taxes, and take you to court. It's not just a mark on your credit report like private lenders would do. And filing for bankruptcy will not erase a federal student loan.

Benjamin Said:

Does the 36% debt-to-income ratio include ONLY our student loans, credit card, and car loans?

We Answered:

My understanding is that it will include the mortgage payment as well as all your other debts.