<p>Are most of the private loans are credit based? What kind of loans should I take out if I don't have a cosigner? And how do I check my credit report?</p>
<p>I highly recommend you visit <a href="http://www.finaid.org%5B/url%5D">http://www.finaid.org</a></p>
<p>"Are most of the private loans are credit based?" Besides parental loans :). For the most part the credit history is a good check against your history, also if you don't have a credit history look into alternative loans from your financial aid department. Employment, references etc might be asked on private loans.</p>
<p>Credit History is about the only means they have to assure themselves they will get their $$ back if you don't have a cosignor.</p>
<p>"What kind of loans should I take out if I don't have a cosigner?"
1st Parent (hehe) 2nd Stafford 3rd Perkins 4th anything else.</p>
<p>Goto <a href="https://www.annualcreditreport.com%5B/url%5D">https://www.annualcreditreport.com</a> (you can check all 3 from this site) You get one free check every year because of the Fair and Accurate Credit Transactions Act of 2003. I recommend you either print it out as you get 1 CHECK every year.</p>
<p>Is parent loan better than stafford loan?</p>
<p>Yes, for you...But not for parent :)</p>
<p>When I was saying 1) Parent 2) stafford 3)Perkins yadda I was joking that the Parent as in taking a loan from your parent. But, parent loans are another matter. If you ever are offered subsidized stafford...take it.</p>
<p>About your credit check, is it safe to use this site: <a href="https://www.annualcreditreport.com%5B/url%5D">https://www.annualcreditreport.com</a> ? Or is it better to use a site like freecreditreport.com or go to the three big credit bureau's site or mail them?</p>