How can I receive help for school without federal aid?

Question

I have bad credit. I did not file my 2007 taxes, but I plan to as soon as I find the w2's. I want to go to school very badly. I need some help. I work nights full time and want to go to a community college. Does any body have any ideas on how to find scholarships, loans, or grants to at least get me started until I can finish my FAFSA.

Answer 1

If you want any federal, state, or campus based aid, you must file your FAFSA. I know there is a handful of private scholarships that do not require a FAFSA.

Student loans are not based on credit so that excuse is out the window.

Get on the ball and file your taxes. If you want the federal government & the American taxpayers to help you with school, the least you could do is follow the IRS laws and file your taxes.

Answer 2

Student Loan can be sought through many different avenues. It all depends on your personal credit rating. The biggest challenge is finding one that offers the lowest interest rate.There are various routes to explore when seeking out a bad credit student loan and I would suggest that your first port of call would be the school for which you are about to attend. You will need to fill out a FAFSA form in order to initially apply for a federal loan. Perkins loans are combined school and government funds. A combination loan may be another alternative way of acquiring a bad credit student loan. This type of student loan enables you to consolidate<!--any existing loans that you have whilst applying for a new tuition loan. The only drawback to this type of loan is that you may need someone to co-sign.Another way to get a bad credit student loan is to get a co-signer. Maybe a family member with good credit would help. This way you could get loans with more attractive interest rates and terms, in spite of your bad credit. You may find the student loan here,

http://best-loans.awardspace.com/student...

Finally, if all else fails you will need to contact banks and financial institutions. They will more than likely be happy to lend you the money, but it will be on a higher interest rate than usual. When you have bad credit the banks will check out your personal credit score first and then offer terms based on the credit rating assessment. Take heart, even if your bad credit student loan is set at a high interest rate, numerous-->student loans defer your payment until you have finished college. This in turn will allow you time to improve your credit rating and when you leave college you could then look into consolidating your bad credit student loan at a better interest rate. This will mean your monthly payments will be at a lower level and therefore more affordable.

Answer 3

FinAidGuy:  You say student loans are not dependant on credit score.  WRONG.  We have found that for a parent loan it is, and my daughter has been told numerous times that she doesn't qualify because she either has no credit on her report or that she has something bad.  We are in the process of trying to find out what that "bad" thing is, as she's never used credit.  If you have an answer for us, we need it!!  She's desperate and heartbroken over not being able to continue this year.  See my question in this category.  Can you help???  Loring