-- Posted by 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? -- Posted by Allison at 7:33 am on Aug. 11, 2006 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! -- Posted by SweetChevy at 7:34 am on Aug. 11, 2006 ask thm to poay for you then? -- Posted by Live4Him at 7:39 am on Aug. 11, 2006 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!!! -- Posted by Lalynn at 8:14 am on Aug. 11, 2006 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 -- Posted by 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. -- Posted by aznxtasy418 at 6:07 pm on Aug. 18, 2006 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 -- Posted by kira at 1:31 am on Aug. 22, 2006 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. -- Posted by daisygrl at 10:26 am on July 26, 2007 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. -- Posted by superlucky at 2:15 pm on Aug. 9, 2007 If you have bad credit but badly need a student loan, this is what I did http://studentaides.com/bad-credit-student-loan/