My relatives don't have great credit so what have been my options as distant as in isolation tyro loans?
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My relatives don't have great credit so what have been my options as distant as in isolation tyro loans?
First of all do not take out a loan with someone who has a yahoo address. I do not understand the 30 days to wait that you talk about other then freshman students that have to wait a period of time (I think is 30) before a Stafford loan is disbursed to the school. Stafford loans do not require credit. The PLUS loan for parents does require credit but a debt to income ratio is not done on the parents and all lenders look for is if they have any black marks on the report. If they do and your parents are handling the black mark, documentation might be all they need to get to the lender for the Federal PLUS loans. Outside of these loans are private loans that will require a credit check from the student or a cosigner if the student does not qualify…most big lending institutions like Bank of America Sallie Mae Chase do have private loans if federal loans are not enough. keep in mind these typically have higher rates then federal loans. research for the best interest rate, benefits, and service to determine your best choice. the financial aid office is the best place to start
Stafford student loans, private student loans (Chase, Bank of America, Wachovia) are good options
Try your bank first.
Try majors like Citi Finance, Capital One, Washington, Bank of America…
Good luck !