Is it possible to get a private loan without a job or co-signer?

Does anyone know of any lenders? I don’t qualify for Financial Aid so I was hoping to get a private loan.

No, you can’t.

Are you a rising senior?

If not, and you graduated: Where did you get in?

What are your stats?

What’s your budget?

In all likelihood, if you cannot afford the college you got into, you need to take a gap year, not take ANY college class (including cc), and apply to a list of colleges that will give you merit aid.

Why don’t you qualify for financial aid? If it is because you are not a citizen, it will be very hard to qualify for any other loans.

I started college at 18 and didn’t do well, I dropped too many classes my first year and got suspended. After that I stopped going to school because I really didn’t know what I wanted to do. Last year I decided to go back to school at 22 while I was working a retail job I transferred to a new school where I received loans and grants. School started to get difficult my second semester and I ended up quitting my job in order to focus on school. I did really well at my new school but they are missing a lot of classes that I want to take so I’m transferring back to the first college I attended. The problem is that my suspension was still in effect I just appealed it but now I’m on probation and I cannot get any financial aid during the upcoming fall semester.

Are those schools non profit or for profit? What sort of degree are you going for? What state are you in and do you qualify for state aid?

I thought there were loans that students could take out, even if they don’t work, Sallie Mae, maybe?

Not anymore.

@cloudysmom yes, Direct Loans. $5500 first year and then up $1k the next 2 years (tops out at 7500).

Private loans? No.

You will need to start working again, so that you can pay for your classes out of pocket until you meet the requirements for Satisfactory Academic Progress (SAP). Sit down with the financial aid office, and sort out the details. They will tell you how many credits you will need and with what grades.

Be sure to formally transfer whatever credits you can from #2 back to #1. Some of those better grades may apply toward the SAP calculations.