Need private student loan with no co-signer

[kleep]

I am needing a private student loan for school. There is no way I can get federal funding (loans/grants) of any sort - and believe me I've tried. I am needing around $2K-$3K per year for the next 2-3 years - give or take. I work full-time and my employer pays most of my tuition. I attend half-time and I just need help with the books and fees not covered (which seem to keep adding up).

The problem is, there is absolutely no way I can get a co-signer. Period. And even after making that clear, lenders will assure me I can qualify without one - then tell me they'll be happy to loan me money once my co-signer logs in!

I had a bankruptcy that will be gone soon (10 years this coming Winter), I have a paid tax lien from several years back, and a few old scars that will all be clean in 3 years time. My last FICO score pulls were in March and were 682 and 670.

Since the lending standards have changed in the past few years, does anyone have any ideas? I cannot continue my job unless I am working toward my new degree and I can't afford to continue my education without help of a loan.

Does anyone have any advice?

[LynnInMN]

Why cant you get unsub loans?

[Bigwoodystyl]

Originally Posted by LynnInMN

Why cant you get unsub loans?

That's my ? too. IIRC, it's a narrow list for the things that disqualify you from Federal Student Aid... they'll pretty much loan to anyone.

1. Satisfactory Academic Progress
2. Convicted drug charge while using Federal Aid and did not complete rehabilitation
3. Does not have valid SSA#
4. Default on prior Federal Student Loans

1,2,4 are easily correctible.

[littleMikey]

Stay away from Student Loans!

[Davis Brown]

In present age where getting education is not a cup of tea for anyone, private student loan gives a new ray of light. One can easily afford the loan without any extensive paper work. Most importantly you can get the loan even if you have bad credit or have no cosigner. Private student loan no cosigner is also available which you can avail to incur all educational costs.