<p>hey pinker</p>
<p>if you qualify for the student stafford loan that is listed on your ePAL then you do not need to have a credit check to obtain that. You call up one of the many banks that offer such a loan and basically sign up for it, they give you the loan for however much UCLA determined you would receive and you don’t have to pay that one back until after you graduate. For the Parent PLUS loan that is also on the ePAL credit IS taken into consideration. If your parents don’t qualify because of bad credit they will write a letter of rejection that you need to send to UCLA financial aid dept. which will then up the amount you qualify for in the Student Stafford loan.</p>