<p>Hi</p>
<p>I was going to go to UNIVERSITY OF HOUSTON, my EFC number was a little under 2000. My parents are right in the middle and cant help at all.</p>
<p>I was planning on just getting student loans for college. When the time came for that I didnt have a co-signer and no one would give me loans, I tried Sallie Mae!</p>
<p>My parents dont have the credit to cosign and everyone says I HAVE to have a cosigner. My grant money and my stafford loans werent enough, I need an extra 4k a semester.</p>
<p>I didnt get to go and now Im gunna try to go again at UNIVERSITY OF TEXAS AT SAN ANTONIO. Any Advice?</p>
<p>Did your parents apply for the PLUS loan? If they apply and, as you said, due to their credit are declined, you will be able to access an additional $4000 per year in Unsubsidized Stafford (presumably you are a Freshman this year, as a Junior or Senior, this amount would be $5000).</p>
<p>Otherwise, you could ask the school if they have any Perkins loan funds you could borrow from. Once these two options are exhausted, you will need to apply to a loan with a co-signer. Most student loans have options to defer repayment until after graduation, so the co-signer won't need to pay for you. Ask your parents if they would feel comfortable doing something like this.</p>