It seems like you have done a lot of research on private loans, but have you considered federal loans? Right now, the federal government offers a Perkins Loan for a 5% fixed interest rate, and a Stafford Loan at 6.8% fixed interest rate. Federal loans also offer incredible benefits.
In order to be considered for Federal Student Loans, you must fill out your Free Application for Federal Student Aid (FAFSA) form and submit it. It is in your best interest to file this form as soon after January 1st of the year as you can since this is a first come first served type of deal. You will then receive an award package in the mail based on your Estimated Family Contribution amount and the cost of the school you decide to attend.
Also, it sounds like you may be a dependent of a war veteran. Check with your state's higher education bureau to determine if there are special grants, loans, or waivers that would be available for you.
For more information on Federal Student Loans and the application process please visit the source below. I hope this helped you out! Good luck!
The best thing to do is compare the different private lenders out there, which can be done at http://www.finaid.org/loans/privatestude...
Most of the rates are very similar but do a little research and pick one that you think is best. I would suggest Think Financial. The application process is very quick and easy, and the check is sent directly to you so you can use the money for whatever you want. The limits are much higher with private student loans, up to $40,000 per year. You can find out more information about a Think loan at http://www.thinkfinancial.com . Good Luck.
Here is an excellent site with some wonderful options 4 U.
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