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  LiveWire / College Forums / Financial Aid, Scholarships & Internships / Viewing Topic

Student Loan
I have low credit and no co-signer
Replies: 9Last Post Aug. 9, 2007 2:15pm by superlucky
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( Live4Him )


Lawn Care Specialist
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Ok I need a loan for about $10,000 I am just doing a Community College. I have no co-signer. My credit is there but its not up there because I am only 19. Any advice? I have applied for grants and things but I dont qualify because my step dad and my Mom make almost $200k a year. So there goes that! Anyone have any ideas?

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7:31 am on Aug. 11, 2006 | Joined: Aug. 2006 | Days Active: 8
Join to learn more about Live4Him Florida, United States | Straight Female | Posts: 35 | Points: 122
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Allison


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God I totally have the same problem. I have no idea how I'm going to qualify for anything like that. Sorry I cant help but I'm happy you asked haha!

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7:33 am on Aug. 11, 2006 | Joined: Mar. 2005 | Days Active: 350
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SweetChevy

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ask thm to poay for you then?

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7:34 am on Aug. 11, 2006 | Joined: Feb. 2006 | Days Active: 115
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( Live4Him )


Lawn Care Specialist
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its not like my parents dont have the money but they wont pay for it at all! i feel retarded asking a stupid question like this! i have credit and all but i am afraid my debt to income ratio would be off. so i dont know what to do!!!

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Live life without a cause!

7:39 am on Aug. 11, 2006 | Joined: Aug. 2006 | Days Active: 8
Join to learn more about Live4Him Florida, United States | Straight Female | Posts: 35 | Points: 122
Lalynn


Personal Assistant
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Can you parents not co-sign for you???? If you are going to a community college, it can't be that much a year!! I went to a community college for 3 years and my tuition was $800 a semester.
Did you file a FAFSA??? Even though your parents make that amount, you should always file a FAFSA just to be on the safe side. Good luck!!! =D

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8:14 am on Aug. 11, 2006 | Joined: Aug. 2006 | Days Active: 18
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Ciderdude


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You should be able to get the loan through a local bank. The bank will be your cosigner. Also your origination fee will be 0% if you do it through Commerce or Bank of America. I suggest going through the bank. They do a great job or guiding you through the process.

11:10 am on Aug. 13, 2006 | Joined: May 2006 | Days Active: 28
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aznxtasy418


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Quote: from Ciderdude at 11:10 am on Aug. 13, 2006

You should be able to get the loan through a local bank. The bank will be your cosigner. Also your origination fee will be 0% if you do it through Commerce or Bank of America. I suggest going through the bank. They do a great job or guiding you through the process.

i have bank of america and they told me that i need a cosigner. So i'm not exactly sure what it is, but I know they definitely said that you needed a cosigner


6:07 pm on Aug. 18, 2006 | Joined: Aug. 2006 | Days Active: 10
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kira


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What about the financial aid or just plain financial office at the community college?  Have you asked them what options they have for student loans?  You might not need a co-signer for a student loan, but I'm not really sure.

1:31 am on Aug. 22, 2006 | Joined: Feb. 2004 | Days Active: 929
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daisygrl


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Quote: from Live4Him at 7:31 am on Aug. 11, 2006

Ok I need a loan for about $10,000 I am just doing a Community College. I have no co-signer. My credit is there but its not up there because I am only 19. Any advice? I have applied for grants and things but I dont qualify because my step dad and my Mom make almost $200k a year. So there goes that! Anyone have any ideas?

Your only option would be to take out student loans. If your parents don't claim you as a dependent anymore you can apply for financial aid but you would have to be considered independent.


10:26 am on July 26, 2007 | Joined: July 2007 | Days Active: 1
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superlucky


Lawn Care Specialist
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If you have bad credit but badly need a student loan, this is what I did http://studentaides.com/bad-credit-student-loan/

2:15 pm on Aug. 9, 2007 | Joined: Aug. 2007 | Days Active: 7
Join to learn more about superlucky United States | Posts: 13 | Points: 85
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