<p>my efc is zero and my parents wont pay or cosign for anything. my aunt and uncle already got denied, but they have good credit. i need about 6500 and im about to get a job. is there any way that i can get a loan for that amount without a cosigner or credit????</p>
<p>try <a href="http://www.collegeloansite.com%5B/url%5D">www.collegeloansite.com</a>. you will find info on chase's private student loans. they usually require you not to have a cosigner unless you want to put one down to get a lower interest rate!</p>
<p>i was conditionally accepted for $9000 without using a cosigner! and my credit is crappy!</p>
<p>anyone else want to chime in on this???</p>
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<blockquote> <p>i need about 6500 and im about to get a job. is there any way that i can get a loan for that amount without a cosigner or credit?>></p> </blockquote>
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<p>Are you a high school senior? If so, is the school where you have the $6500 bill the only option available to you? Did you apply elsewhere? What kinds of financial aid DO you have? Have you applied for outside scholarships? </p>
<p>What other options have you already considered for your college expenses (e.g. living at home, attending a CC for a couple of years, attending a lower priced in state college...unless your school IS one of these, etc)?</p>
<p>I strongly suggest that you start at a community college and the transfer to a four-year public. If your EFC is 0, it would not be a good idea to take out more than $26,000 (expect college costs to increase each year) for 4 years of college. </p>
<p>Presumably, you can't rely on your parents to help with things like getting a car, computer, paying security deposits, etc. after you graduate and move into your own place, so you need to try to finish college with as little debt as possible.</p>
<p>Also consider options like spending a year or 2 as a fulltime Americorps volunteer. You get a stipend of around $180 a week, plus at the end of each year, you get about $4,700 that you can use for college. Your Americorps experience also may help you qualify for some excellent merit aid at colleges (Check out the Bonners Scholar program, for example), and will help you obtain job skills and experience that will qualify you for higher paying part time and summer jobs than you probably now qualify for.</p>
<p>Citiassit approves everyone</p>
<p>I think coming up with $6500 is doable if you think that particular college is preferable to community college.
Schools will usually outline sources for you. Example-</p>
<p>Stafford Loan (no cosigner necessary) $3500
Work-Study job $1800
Summer work savings $1200</p>
<p>Avoid private loans like the plague. You don't need them anyway.
It may be possible in later years to work as a dorm RA to reduce costs.</p>
<p>I'm sorry but I'd have to disagree with Northstarmom. I don't think students from low-income families should be limited to community college and public schools. I was awarded a lot more need-based aid from private colleges than the public ones. I also think finishing college with debt and working to pay it off is REALISTIC.</p>
<p>I would like to hear from the OP what college s/he plans to attend. I think that would help all of us know whether it's worth it to take out the kind of loans the OP is considering. </p>
<p>For instance, if the college isn't that good, it could be better to attend a community college for 2 years and then transfer to a good in state public.</p>
<p>As for eyeCU10's comments: There are community colleges and public universities that offer far better educations than do some private institutions. Just because a college is private doesn't mean it's an excellent school.</p>
<p>Also what would the $6,500 cover: Tuition, room, board, books. etc.? Is the college giving the OP any aid?</p>
<p>In addition, there are many colleges that offer much less financial aid after freshman year, another reason that it would help if the OP told us what college is being considered.</p>
<p>ixjunitxi, citiassist does not approve everyone. i tried them and was denied...</p>