Does anyone know of any loans for people with bad credit with no cosigners for college students?

I am a college student with a high past due bill. I can't go back until it's paid. Just wondering if anyone knows of a program or loans for people with very bad credit.

Usually student loans are very lax on requirements. I have very bad credit and had no issues getting loans w/o a co-signer. Mine are through wachovia.

Having bad credit just means that you can't get a private loan. But private loans are bad anyways because they have high interest rates.

The best type of loan for you to get is a federal government loan. Here's what you need to do to get one:

1) Fill out the FAFSA. This will determine if you are eligible for financial aid. Go here:

http://www.fafsa.ed.gov/

2) Once you are eligible for aid, choose a government-based student loan. The best loan to get is a Federal Perkins Loan. These have low interest rates and the government will help you pay it back as long as you stay enrolled in school. You also don't need a cosigner or good credit for it. For more info go here:

http://www.studentfinancedomain.com/student_loans/perkins_student_loans.aspx

3) The next best loan to get is a Subsidized Stafford Loan. This has many of the same benefits as a Perkins Loan. Learn more here:

http://www.studentfinancedomain.com/student_loans/subsidized_stafford_loan.aspx

You can also try to get a grant or scholarship, which is free money that you won't have to pay back. You can read about them here:

http://www.studentfinancedomain.com/financial_aid/college_scholarship.aspx

And here are some good sites to check out:

http://www.fedmoney.org/

http://www.findtuition.com/scholarships/

http://apps.collegeboard.com/cbsearch_ss/welcome.jsp

http://www.freegovmoney.net/

http://www.educationplanner.com/education_planner/paying_article.asp?sponsor=2859&articleName=Grants_and_Scholarships

http://www.studentawards.com/

http://www.college-scholarships.com/

Good luck!

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