Where can I find a lender for a private student loan that doesn't require a cosigner or high income?

Question

I am a student worker who's family has recently died. I now need more money so I can finish college. I have a good credit history. Again, I have noone left alive who can cosign for me and I don't make a huge amount of money. Please point me in the direction of a lender who can help.

Answer 1

well hang in there, your doing great and HAVE to finish your education.

i dont know your interests or details, so i will just list all that i have found. there is bound to be something that can help.

There are government loans & grants, and then there are private loans & scholarships.

try to aim for grants/scholarships more... they are not to be paid back. its confusing sometimes, but just keep applying. Scholarships usually have a 1 or 2 page application, and require an essay. Take your time with the essay, so yours stands out.

every big (and small) company you see (manufacturer, orgs, corps and groups also) all have grants and scholarships they hand out like candy. Walmart, Kmart, Target, Coke, computer companies etc etc etc

here are some links with a HUGE list of what is available. some you will need to copy and paste into a new window. also, fastweb (take the time to fill it in) will search databases and get back to you with a list of scholarships you qualify for.

Also contact all mens, womens associations in your state, they almost always have grants & scholarships. What ever field you are going into, contact the orgs, associations etc for them; Also check with professional organizations related to your career interests, such as the American Bar Association or the American Medical Association. they also always have scholarships. Research and dig, call then write. Its all worth it.

OVER apply; it doesnt hurt to have too many, and the extra funds can help with housing.

YOU WILL NEED ADOBE READER:
(yes, its free)
http://www.adobe.com/products/acrobat/readstep2.html

TESTING & PRACTICE TESTS
(SATs, PSATs, ACT, GRE LSAT, MCAT, GMAT,TOEFL, etc)
http://www.kaptest.com/college
http://collegeboard.com/splash/
http://act.org/
http://lsac.org
http://toefl.org
http://www.ets.org
http://www.gre.org
http://www.aamc.org/students/mcat
http://www.gmac.org

TURNITIN
(don’t copy papers, teachers/professors
DO check your papers with this)
http://turnitin.com/static/home.html
http://plagiarism.org/

INFO
NACAC & COMMONAPP
http://www.nacacnet.org/MemberPortal/
http://commonapp.org/
http://nsse.iub.edu/index.cfm

DVD TOURS OF COLLEGES
http://collegiatechoice.com/

CRIME STATS, DATA OF COLLEGES
http://ope.ed.gov/security/search.asp

SCHOLARSHIP LIST
http://scholarshipamerica.org/
http://www.lifebridge.org/gran-list-alph.htm
http://www.angelfire.com/nj4/njcomputerchick/school.html
http://www.chrome.org/scholarshiplist.html

MORE SCHOLARSHIPS, HELP & INFO:
http://apps.collegeboard.com/cbsearch_ss/servlet/scholarshipsearchservlet?SS_ACTION=DB_SEARCH&pageIndex=1
https://www.collegedata.com/cs/search/scholar/scholar_search_tmpl.jhtml?Referrer=OvScholar
http://studentaid.ed.gov/PORTALSWebApp/students/english/index.jsp
http://www.ftc.gov/bcp/menu-jobs.htm
http://www.finaid.org/scholarships/other.phtml
http://www.finaid.org/otheraid/
http://www.back2college.com/library/scholarships.htm
http://www.scholarshipexperts.com/
http://www.scholarshiphelp.org/
http://www.findtuition.com/scholarships/
http://www.collegeconfidential.com/
http://college-scholarships.com/
http://www.statefarm.com/about/part_spos/grants/grants.asp
http://www.gmsp.org
http://www.gmsp.org/gmsp_web/(nb5ctd55gavpfi55bb3a3j45)/scholarships.aspx
http://www.sfa.ufl.edu:16080/scholarshipcafe/
http://www.edsf.org/scholarshipAwards.cfm
http://www.fafsaonline.com/
http://www.fafsa.ed.gov/
http://www.feea.org/
http://www.greenzone.org/
http://www.salliemae.com/
http://www.ed.gov/finaid/landing.jhtml
http://www.scholarshipexperts.com/
http://www.educationplanner.com/ss/code/Profile1.asp?level=u®ion=s&mode=EDIT&sponsor=2859&volume=SS&e&h
http://www.studentawards.com/
http://www.collegeanswer.com/index.jsp
http://www.studentscholarshipsearch.com/
http://www.studentscholarshipsearch.com/Detailed/Scholarships/Meta_indexes_and_other_scholarship_directories/Women_s_and_Non-traditional_students_scholarships_meta-directory_126.php
http://www.akaeaf.org/programsandinitiatives/
http://www.schoolsoup.com/
http://www.blackexcel.org/link4.htm
http://www.dellscholars.org/
http://www.thurgoodmarshallfund.org/
http://www.jackierobinson.org/
http://www.bpwusa.org/i4a/pages/index.cfm?pageid=4212
http://www.wilsonfund.org/scholarships/scholarships.shtml
http://www.uncf.org/
http://www.socxfbi.org/login.asp?reason=denied_empty&script_name=/cgi-alumni/adir2.dll&path_info=/search&sitename=FBI&scroll=10&p=1&S=scholarships&x=0&y=0
http://www.finaid.org/
http://studentaid.ed.gov/PORTALSWebApp/students/english/index.jsp
http://www.act.org/recognition/clients.html
http://www.act.org/kfcscholars/index.html
http://www.kfcscholars.org/
http://www.rhodesscholar.org/
http://www.collegedata.com/
http://www.fastweb.com/
http://www.getreadyforcollege.org/gPg.cfm?pageID=139
http://www.policylink.org/EDTK/AH101/Financing.html#4
http://www.hud.gov/grants/index.cfm

MISC FIELDS OF STUDY
http://www.arts.ucla.edu/support_ucla/primary.htm
http://www.act.org/goldwater/yybull.html
http://www.act.org/recognition/clients.html
http://whereyouheaded.com/
http://luth.org/schools.htm
http://www.nwboatschool.org/
http://soloschools.com/
http://www.nols.edu/wmi/
http://etruscanfoundation.org/

NURSING / CNA
http://www.scholarships-ar-us.org/grants/nursing.htm
http://www.dar.org/natsociety/edout_scholar.cfm
http://nursingworld.org/nursecareer/edfund.htm
http://www.medi-smart.com/finaid.htm
http://www.discovernursing.com/nursing-scholarship-search
http://www.ncaa.org/about/scholarships.html
http://bhpr.hrsa.gov/DSA/nsl.htm
http://www.nsna.org/foundation/
http://www.4cnas.com
http://www.choosenursing.com/
http://www.minoritynurse.com/
http://www.tylenol.com/page.jhtml?id=tylenol/news/subptyschol.inc
http://www.straightforwardmedia.com/nursing/
http://bhpr.hrsa.gov/nursing/scholarship/

BECOMING A TEACHER
http://www.siemens-foundation.org/TeacherScholarship/
http://www.aft.org/teachers/jft/becoming.htm
http://www.fseog.com/
http://www.childcareservices.org/ps/teach.html
http://www.act.org/recognition/clients.html

CHILDREN OF MILITARY
http://www.militaryscholar.org/about/about.shtml
http://www.mcsf.com/site/c.ivKVLaMTIuG/b.1677655/k.BEA8/Home.htm
http://www.vfw.org/index.cfm <-do search for ‘scholarships’
http://www.milspouse.org/Educ/Fund/MilFScholar/
http://www.aerhq.org/education_dependentchildren.asp

INTERNSHIPS
http://www.fasttrackinternships.com/
http://www.internprograms.com/
http://www.brillstreet.com/
http://ceri.msu.edu/

DEPENDENCY or NOT
http://www.salliemae.com/get_student_loan/apply_student_loan/understanding/financial_aid/dependency/

LOAN FORGIVENESS
http://www.pheaa.org/loanforgiveness/healthier_futures.shtml
http://www.aft.org/teachers/jft/loanforgiveness.htm
http://studentaid.ed.gov/PORTALSWebApp/students/english/cancelstaff.jsp?tab=repaying
http://www.finaid.org/loans/forgiveness.phtml
http://www.aessuccess.org/manage/cant_make_payment/Federal_Teacher_Loan_Forgiveness.shtml
http://www.staffordloan.com/repayment/forgiveness.shtml
http://www.educationplanner.com/ss/code/Profile1.asp?level=u®ion=s&mode=EDIT&sponsor=2859&volume=SS&e&h

STATUS OF LOAN OR AID
http://www.nslds.ed.gov/nslds_SA/

IF YOU DON’T HAVE YOUR PIN yet (for your loan / aid status) apply for one:
http://www.pin.ed.gov/PINWebApp/pinindex.jsp

ESSAY HELP
http://essayedge.com/
http://www.scholarshiphelp.org/
http://www.gradesaver.com/resources/scholarship.html
http://www.collegeadmissionsessays.com/
http://www.nataviguides.com/broke_essay.html
http://www.princetonreview.com/college/apply/articles/process/essayjump.asp
http://www.scholarshipessay.us/
http://www.freschinfo.com/tips-brainstorming.php
http://www.freschinfo.com/tips-topic.php
http://www.korepetycje.com/Essays_Articles/scholarshipessay.html

GRANT SCHOLARSHIP SCAM LIST
(if you find a scam report it here too)
http://www.ftc.gov/ftc/consumer/media_psas_classads.html
http://www.actstudent.org/finaid/scholarshipscams.html

LOANS
http://www.ed.gov/offices/OSFAP/DirectLoan/index.html
http://www.acteducationloans.com/
http://www.finaid.org/loans/educationlenders.phtml
http://www.financialaid.com/plus/index.cfm?id=plusloans
http://www.alternativestudentloan.com/
http://www.parentplusloan.com/
http://www.financialaidpodcast.com/about/
http://www.myspace.com/financialaidpodcast
http://www.FinancialAidPodcast.com

GRAD LOANS & SCHOLARSHIP
http://www.gradloans.com/graduate-plus-loan/
http://www.gfoa.org/services/scholarships.shtml
http://www.akaeaf.org/programsandinitiatives/

DEFAULTED STUDENT LOANS
http://www.ed.gov/offices/OSFAP/DCS/index.html

CONSOLIDATE LOANS
http://loanconsolidation.ed.gov/
http://www.plusloanconsolidator.com/
http://www.salliemae.com/after_graduation/manage_your_loans/consolidate_student_loans/student_loan_consolidation.htm
http://www.salliemae.com/content/privateconsolidation/index.html
http://loanconsolidation.ed.gov/

TEACHER / PROFESSORS reviews, rated by students
http://www.ratemyprofessors.com/index.jsp
http://teacherreviews.com/
http://pickaprof.com/

INTERNATIONAL STUDENTS
http://www.edupass.org/finaid/
http://www.irex.org/programs/grants.asp
http://ciee.org/
https://www.iesabroad.org/IES/home.html
http://www.iie.org/programs/gilman/index.html
http://www.iie.org/programs/gilman/resources.html
http://www.iefa.org/
http://www.iefa.org/resources/
http://educationusa.state.gov/
http://college-scholarships.com/
http://www.studyabroad.com/forum/financial_aid.html
http://www.internationalstudent.com/
http://www.internationalscholarships.com/
http://www.internationalstudentloan.com/
http://www.globalslc.com/
http://www.edupass.org/finaid/loans.phtml
http://www.abroadplanet.com/student-loans/the-global-student-loan-corporation/
http://www.salliemae.com/international/
FROM OTHER COUNTRIES
http://fordfound.org/

HISPANIC SCHOLARSHIPS
http://www.hsf.net/
http://www.scholarshipsforhispanics.org/
http://www.statefarm.com/about/part_spos/grants/hispanic.asp
http://www.hsfi.org/
http://scholarships.hispanicfund.org/applications/
http://www.chci.org/chciyouth/scholarship/scholarship.htm
http://www.bpwusa.org/i4a/pages/index.cfm?pageid=4212

Answer 2

1

Answer 3

You can try private loans from local banks. If you have good credit history they may let you borrow without cosigner.

You can also try Sallie Mae.
http://www.salliemae.com

For more information go to your schools financial aid office.
Do not speak to the front desk person but ask to see a financial aid counselor. They will be able to provide you with more information.