Private loans-when?

Paying for College
1

<p>Hi.</p>

<pre><code> For the past two years my parents have covered the gap between cost and financial aid offered with PLUS loans. This year, I need to take out private loans. WHEN do I begin this process? Also, given that I have no credit history, how will this affect my chances of receiving a loan? I know the cosigner's credit history is important, but I also have friends who haven't been given the private loans they've been offered due to lack of a job/credit card.
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<p>Thanks in advance</p>

2

<p>You should start with financial aid office in your college.</p>

3

<p>Private loans usually don’t take very long give yourself at least 4 weeks. That said you will have to have a co-signer at your age and with no credit history.</p>