Where can I get a student loan?

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Look. I’m 8th of 500 in my graduating class, I have a 5.2 GPA (Because AP classes bump up GPA a lot) and I am incredibly intelligent. Fact is, my parents have a $ 1,350 monthly mortgage and two new cars on the driveway, and a history of being late on payments.

Both my parents were ineligible cosigners for a Wells Fargo Collegiate loan. This is due to bad a bad credit score. This came as a HUGE reality check to me, because now I CAN’T go to A&M University, which I dearly wanted to attend.

Where else can I get a student loan?

Can I apply for an Unsubsidized Stafford Loan, even with parents with bad credit scores? Also, would this Unsubsidized Stafford Loan be gotten from a bank, like Wells Fargo? Because I noticed they also had Stafford Loan applications on their site. And can the Unsubsidized Stafford Loan be gotten directly from the school, because I’ve noticed a trend that any school I applied to has given me the option to apply for this Unsubsidized Stafford Loan and some kind of “Supplemental Plus” loan.

I’ve completed my FAFSA, I received NO money from it, because my parents’ yearly income is right at 100k, yet somehow their money disappears. I’m applying for Scholarships, and have applied to probably 30 so far, and I’m not exactly hopeful of those bleak results, as I would think many people are applying to the same ones.

Any help is appreciated, thanks!

  1. Reply
    January 27, 2011 at 3:01 pm

    Most financial institutions offer students loans, like credit unions and banks. If you would have qualified for federal loans, the loans would be through different lenders. I got one through Bank of America and another through Direct loans. You should look to see what your bank has to offer. Never get a credit card loan for school, those low rates are only temporary.

  2. Reply
    January 27, 2011 at 3:32 pm

    Students and parents who must deal with the high cost of a college education have available to them a wide range of student loans. This article offers details on three general types of student loans. Unlike other student loans, application for a specific Stafford Loan should be preceded by the filing of a Free Application for Federal Student Aid (FAFSA). The FAFSA application should be made in the name of the aspiring student.


    Like some other student loans, application for the Signature Loan permits the use of a co-signer. In fact, there is a real advantage to applying for a Signature Loan with a co-signer.

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