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Question: My boyfriend wants to go to school, but he has no cosigner on his loans?
He's 18, has been working part-time for a year or two.... what are his options, he really wants to go to college and he has a high school diploma, his parents don't want to pay for his school and they don't want to cosign any loans either, they're threatening to kick him out of the house, what can he do? he doesn't want to join the army for active duty or anything.... He might move into a relative's home, can he declare himself independent of his parents? the problem is that when schools look at financial aid, there are certain requirements, you can't be considered independent unless:
* at least 24 years old
* a veteran of the U.S. Armed Forces
* in graduate or professional school
* married
* an orphan or ward of the court or have legal dependents for whom you provide at least half of their support And I'm not getting married anytime soon, what can he do?

Answer: yes he can b/c he is over 18 and been working

yes he can b/c he is over 18 and been working

Answer: No, he can't claim himself independent to his parents ...

No, he can't claim himself independent to his parents until he reaches the age of 24. His options are to get a credit card and build up a POSITIVE credit history (Don't max the card out, stay below 25% of the credit line) about 6 months after having the card, he should have sufficient credit history to apply for a private student loan on his own. I recommend Sallie Mae's Tuition Answer loan, the send the check straight to you without having to get certification from the College/University. Even if he does get kicked out of his parent's house, he will still have to file with them on the FAFSA (Stupid, I know...the whole system makes no sense) But, if you want to go to college that's what has to be done.

Answer: he can get a financial aid if he meets the ...

he can get a financial aid if he meets the requirment. http://www.fafsa.ed.gov/ just fill it out online. its government paying for your studies if you maintain a good gpa and go to college as a full time student. you don't have to be indpendent to get financial aid. all you need is your tax returns and your parents. social security and some other documents.

Answer: First, anyone over 18 can declare oneself independent and ...

First, anyone over 18 can declare oneself independent and can file one's own taxes.
Whether he needs a cosigner or not depends on the type of the loan. For educational loans, he would not need a cosigner as long as he is enrolled as a regular student working toward a degree. There are no credit check or anything as long as he has not defaulted on a previous student loan. The only exception may be something like a Parent Loan where his parents are getting the loan on his behalf. But most loans are need-based where more assistance is given to those with lower incomes.
If he wants to get his own place, he would need to have an income that is three times the rent. Some landlords will accept the financial reward letter in lieu of income. So if his income doesn't meet the minimum requirement, he will need a cosigner and this can be pretty much anyone who can vouch for him with enough income.
I think the first thing to do is file a FAFSA and talk to the financial aid's office at his college. He doesn't have to be a student at that college yet. If he is planning to attend a JC, normally the financial aid is not enough to pay for everying such as books, tuition, and rent. However, with a part time job and additional loans, he may be able to afford his own place and move out. Actually I have seen many people who attend a JC move out on their own with financial assistance and some supplemental income.

Answer: There are two sources for student loans -- the federal ...

There are two sources for student loans -- the federal government and private lenders. In order to obtain most federal student loans, you will first need to file the Free Application for Federal Student Aid (FAFSA). In mostyou can combine all of your eligible federal student loans into one loan with a Federal Consolidation Loan. Consolidating also locks the interest rate you pay on your loan.

Answer: He should apply using the FAFSA application. Yes, he will ...

He should apply using the FAFSA application. Yes, he will be required to put his parents income, but this will not obligate his parents in any way to pay for his education. If he does not qualify for grants he can take out a federal student loan. These require NO cosigner. Also, I suggest he find out why they are wanting to kick him out so he'll stop doing whatever they don't like him doing. Here is a good publication about fin aid.

Question: Are there any loan companies that give college loans w/o the need of a cosigner?
I am starting college in the fall and no one is going to give me any money to help, so I am paying for it all myself, I have like 2000 dollars saved up, but I need like 12000 a year to pay for everything... and dad wont cosign a loan for me. Also there is no way that I can be considered an independent for FAFSA purposes, b/c I am not an orphan, married, have children, in the military, and wasn't born before 79. So... only option is a loan... does anyone know of any that dont require a cosigner?

Answer: Yes the federal government

Yes the federal government

Answer: There are two sources for student loans -- the federal ...

Answer: When you fill out the fafsa after Jan 1, it will ask if you ...

When you fill out the FAFSA after Jan 1, it will ask if you are interested in student loans. You need to say yes. The feds will give you a student loan and you won't have to have a cosigner. There is a limit though on how much you can borrow as a freshman. And it's well under 12,000. You need to start looking for scholarships now.... Call your school and get all and any info you can. Your best luck will be from them. If you aren't going to get any assistance from family and you don't get any scholarships you REALLY need to consider the school you are attending. Even if you manage to come up with the 12,000 this year, will you be able to do it again next year... having used all your savings? And the year after that? If you are having to borrow that money every year for four years you might want to consider transferring to the school after an associates degree... it'll be a TON cheaper and you won't have to use all your savings.

Answer: The best type of loan to get is a federal student ...

The best type of loan to get is a federal student loan. Here are the steps you need to take to get federal financial aid:
1) Fill out the FAFSA. This will determine if you are eligible for financial aid. Go here: http://www.fafsa.ed.gov/
2) Once you are eligible for aid, choose a government-based student loan. The best loan to get is a Federal Perkins Loan. These have low interest rates and the government will help you pay it back as long as you stay enrolled in school. You also don't need a cosigner or good credit for it.
3) The next best loan to get is a Subsidized Stafford Loan. This has many of the same benefits as a Perkins Loan.
You can also try to get a grant or scholarship, which are both free money sources that you can use to pay for school, and you don't have to pay them back.
Here are sites that offer grants:
http://www.fedmoney.org/
http://www.freegovmoney.net/
http://www.grants.gov/

And here are some good sites that offer scholarships:
http://www.findtuition.com/scholarships/
http://www.nextstudent.com/scholarship_search/scholarship_search.asp
http://www.brokescholar.com/
http://apps.collegeboard.com/cbsearch_ss/welcome.jsp
http://www.studentawards.com/
http://www.college-scholarships.com/

Answer: Student loan consolidation has many benefits. Before you ...

Student loan consolidation has many benefits. Before you sign up on the dotted line, you should know how to get the best student loan rates. If you are tired of too many bills and monthly due dates, it may be time to find the best student consolidation loan you qualify for.The most obvious way to get the best student consolidation loan rates, is by having great credit. It?s easy to get great student consolidation loan rates with a FICO score over 660.
Question: Are there any student loans with no cosigner?
I have pretty good credit, but no cosigner and I really need a loan to finish paying for school.

Answer: mel: I applied for salliemae student loan and I do not have a ...

I applied for salliemae student loan and I do not have a cosigner.

Answer: There are two sources for student loans -- the federal ...

Answer: Yes Federal loans. Or Private loans but with 21 years, job ...

yes Federal loans. Or Private loans but with 21 years, job (2 years working), and may be more.

Question: I need a personal loan but I don't have a co signer I need to know if and where I an get a loan w/o a cosigner
i am 20 yrs old and I really need a loan paying it back isn't so much the problem it's finding one that I qualify for that's the hard part

Answer: The application and approval procedure of personal loans is ...

The application and approval procedure of personal loans is online. Lots of lenders are available on the World Wide Web with lot of attractive offers and packages for you. You just surf the web for the best lender offering suitable terms and conditions as per your requirements and financial plightahead to have all the things you've been dreaming of without even worrying how to repay it. Sit on the chair, be a bit clicking conscious and find all your plans molding in a true shape.

Answer: Maria: So, your personal requirement insists you to avail a ...

So, your personal requirement insists you to avail a personal loan. It is true that with a personal loan, anyone can fulfill his personal wishes. You may find one at http://loan-guides.net You are advised to check their repayment capacity before applying for a personal loan. If a secured personal loan is not paid off, borrowers? security will be repossessed by lenders. On The other hand, in case of unsecured option, borrowers may have to face some legal hassles, if the amount is not repaid. So, borrow the amount that suits your repayment capacity.

Question: How I can get private student loan when I don't have cosigner?

Answer: Call Sallie Mae

Call Sallie Mae

Answer: Get government backed loans. I worked at Sallie Mae, their ...

Get government backed loans. I worked at Sallie Mae, their loans are not private, they are backed first of all by a guarantee agency, and then backed by the federal government............they are only a private company........Sallie Mae's Loans are great!!! or get direct loans through the william d ford program.......Private loans are bad, they have way higher interest rates, and they don't allow you very many, if any, hardship options such as deferment or forbearance time (which are temporary suspension of payments). Trust Me government/public loans are the best route to go, you get up to 6 years of forbearance time, 2 years hardship deferment, and wayyy lower interest rates.

Answer: The mark of bad credit throws financial challenges to a ...

The mark of bad credit throws financial challenges to a student, affecting negatively his economic condition and support intensely. It becomes hard to adjust or meet the increasing admission fees and other educational expenses with a bad credit tag, but surmounting the situation in a lenient manner is possible with as external financial aid named bad credit student loans. As the name suggest, it considers and concentrates issues related to education expenses of students and prop them with the necessary finance for a smooth and worry free education life.
Bad credit student loans, by every means can be accessed i.e. with or without collateral as it is designed with intensions, and applicants can opt according to appropriateness and capability to borrow. As education is for all the sections of a society, in the same way, doors of bad credit student loans and its benedictions are opened for all financial categorical persons. The bad credit student loans finance the entire expenses like admission fees, accommodation fees, buying of books, computer and such. Both the method of approval and repayments are simple, as there are options for the applicants to reimburse the loan amount after six months of approval or completion of the course. Since the bad credit student loans are meant to aid students and rationalize the credit burden, so keeping in mind this specific issue the interest rates are calculated in a reasonable manner making if affordable for all to payback. Applicants as their economical score are all uncertain and weak so they so do a little bit of exercise for a marginal interest rate by contrasting the quotes of different lenders.
Approvals of bad credit student loans can be geared up with the assistance online. Take the advantages of the fast and instant result provider and fill the online application form and borrow the loan without any delay. Bad credit student loans with its rational and manifold policies can make the way to restore and rebuild the bad credit score towards a strong financial condition.

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