Private Loans

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Private Loans get you to College

When you file your FAFSA (Free Application for Federal Student Aid) your schooling costs are estimated by the school and your aid, including loans are based upon that amount minus your expected contribution. There are so many times when your expected contribution far exceeds the amount you are actually able to put towards your college education that it's ridiculous. To help make ends meet, get a private loan and get yourself the college education you've always dreamed of.

The best place to start looking for a private loan is online. There are many resources on the topic and plenty of lenders to get your private loan from. The application process is simple and based not on your financial need like the FAFSA, but on your credit history. That being said, it's always good to fill out the FAFSA whether you think you'll qualify or not because many private loan programs require that you do. That way, they can help determine how much you are getting and put together a realistic plan for you to get to college.

Even if you don't have a credit history, you may still qualify for a loan. The best way to go about this is to ask your parents to cosign the loan with you. If they would not qualify on their own, you may try asking a close relative that has a good credit score to cosign on your private loan. By having someone cosign on a private loan, not only will you benefit from a lower interest rate, but you will also be able to start building a credit history that may help you get your next private loan on your own without the help of your parents. And besides, isn't becoming less dependent on your parents what going to college is all about?