How you can get them even with Bad Credit
If you are looking to obtain a student loan and you have a poor credit history, you might find it difficult to find a lender. With a number of student loan types on the market these days, however, you may be able to find the right one for you. Student Loans are a good way to build credit as well, so once you obtain one, be sure to repay it.
If you have a poor or no credit score, private loans – most often offered by banks and/or financial institutions – will most likely deny your application. These banks or institutions most likely look at your credit score, but they also take a look at your potential earning power. If you are going to school for computer programming, you may be able to receive a loan. You may also receive a better interest rate than someone who is going to school for, say, creative writing.
Great student loans for those with little or no credit are government-backed loans or loans offered through your school. One such option is the Stafford loan. When the student borrows these loans, most lenders do not look at the student’s credit history. You can apply for a Perkins loan as well, which also does not look at your credit history. The government supplies the money for this type of loan, but it is reserved those who are most in need, so this option is not available for everyone. The only exception: if you have previously defaulted on a government-backed loan, you will be automatically ineligible for a Perkins or Stafford loan now.
Because Perkins and Stafford student loans are often limited to a particular amount per year and in total, there are also government-backed student loans for parents of students, called PLUS loans. Because these are government-backed loans, lenders – whether a financial institution or the government itself – do not look at anyone’s credit score. These lenders do, however, take a look at your credit history to determine if you are late on any payments or in default. If so, you will not be able to receive a loan.
One thing to remember with government-backed loans is that, though you can defer payments and you may have very low interest rates, you must re-pay your loans. The government cannot only hire a bill collector, but they can confiscate your federal tax refunds or even deduct the payments from your wages. Also, if you declare bankruptcy, more often than not, your student loans will not be forgiven. Though this may seem harsh, the government does offer a number of options to help you repay your loan. If you have bad credit or no credit, students loans can be a good option for you.
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