<p>Hello</p>
<p>I am seeking education loans that do not require school certification - my school's fin aid package covers the full cost of attendance.</p>
<p>I cannot get approved because I do not have two years of credit history and my cosigner's debt to income ratio is too high, so I am rejected either applying on my own or with a cosigner.</p>
<p>Which loans are there that are easier to be approved for? </p>
<p>thank you.</p>