<p>I agree with M2CK, unless they want a huge deposit you can’t afford to forgo. On the loan question, I’d strongly recommend you look at Grad Plus loans first - they do not require a cosigner, the credit check is minimal and is for adverse credit only, the interest rate is fixed, and they are eligible for federal loan consolidation, income based/income contingent repayment (IBR/ICR) options, and, most importantly, public service loan forgiveness. You may want/need IBR/ICR if you want to eat and have a roof over your head on the typical starting salary for social work and you should definitely look into the new 10 year loan forgiveness program for public service/non-profit employees and keep careful records! Private loans will NOT be eligible for any of these programs.</p>
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