Answers:
There are many non-federal loan options for you. Most of them will offer you a better interest rate if you have a co-signer but the loan is still available to you if you do not. You will have to wait until you turn 18 as it is illegal for a lender to enter into a contract with a minor. When you turn 18 try some of these sites and you will find your options limitless.
www.educationmaximizer.com
www.pay4college.com (enter Priority Code: CDEP)
www.usbank.com/DirectEdLoan
www.EducationFinancePartners.c...
www.gemoneystudentloan9.com
www.myrichuncle.com
www.Discoverstudentloans.com
www.wellsfargo.com/special (enter Keyword: Connection)
www.TuitionAnswerLoan.com
Your best bet is any Federal Loan you qualify for. If you need a little bit more to make up the "gap" between your federal loans and the money your school offers then maybe a private loan is right for you.
Private loans will allow you to pay after graduation but be careful, they will charge interest from day one and by the time you graduate it will be a much higher balance. Most students who choose a private loan will pay the interest off yearly so that the principal will be the same as the original loan amount when graduation comes around.
These sites are just a few of the many options you have. Some are banks, some are financial institutions, so are loan companies that focus only on student loans. I would suggest you check with your local bank or credit union, they will have private student loan options for you to consider as well.
***Please note, these are just options for you. I have not personally worked with some of these companies and am in no way endorsing any of them. *** Personal research of any loan company you may choose to use is very important before making your decision.
There are no other types of loans besides federal loans that you can get without a cosigner. All private loans need you to have good credit or to have a cosigner with good credit.
Did you get the Federal Perkins Loan:
http://www.studentfinancedomain.com/stud...
Or the Subsidized Stafford Loan:
http://www.studentfinancedomain.com/stud...
These have low interest rates and the government will pay your interest as long as you stay enrolled in school.
If you can't get any more loans you can always try to get a grant or scholarship. Here are some good sites:
http://www.fedmoney.org/
http://apps.collegeboard.com/cbsearch_ss...
http://www.freegovmoney.net/
http://www.educationplanner.com/educatio...
http://www.studentawards.com/
http://www.college-scholarships.com/...
Good luck!
Try to get a job on campus. No one is passing out money, so if you have no cosigner you have a problem. The financial aid officer at your school is your next best bet.
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