<p>I am a married, independent student who will need private loans to cover my last 2 years of undergrad. My credit score is 740 and we currently have the income to cover loan payments (probably around $20k over both years). However, we will be relocating so I can attend my new school, and it is likely that my income will drop once we do.</p>
<p>If I don't have anyone who can cosign for me, is it likely that I will be approved for any private loans? I will need the loans starting in Fall 2012, how early should I be applying? Thanks in advance.</p>
<p>It is very unlikely you will get loans without a cosigner. Does your spouse have a job? Why are you moving to a new school?</p>
<p>Yes, we are both employed and will both have to continue working after the move.</p>
<p>I am finished with all my community college courses, and the program I am entering is not offered anywhere in my state.</p>
<p>If you are attending a state school, you might check whether it falls under one of the cooperative programs between states so that you are eligible for in-state tuition. On the East Coast, there in the education common market.</p>
<p>MD Mom:
Great suggestion, thanks! Unfortunately, my state only participates in the ECM for graduate-level studies, so I am out of luck.</p>
<p>Bummer. Well maybe you will be eligible for residency shortly after you move.</p>
<p>Is there any comparable program in the state? What’s the area of study?</p>
<p>I currently live in Florida, I will be attending UMD-College Park for their urban forestry program.</p>
<p>University of Florida offers an urban forestry concentration in their forest resources program, but it is a less-focused discipline than the UMD major. Relocating to Gainesville for two years is also an unappealing and equally-expensive alternative to moving to the DC metro, that will not yield the same networking opportunities (I hope to work for the NPS or Department of the Interior).</p>
<p>I’m (unfortunately) aware of the drawbacks to attending an out of state university, but it’s the best move for my family. Just trying to make it happen with the least stress possible.</p>