Ok, so I know there are a lot of experienced people with the student loan business. Yet, I am so puzzled. This question is in part for me and in part for my boyfriend. My boyfriend’s parents “pay for everything” or at least feel like they do. They pay for everything that is a necessity and nothing else. Yet, they will not allow him to have a job or they stop paying for even the necessities. It is appreciated that they want to take care of him to concentrate on school, but they are very strict and he is first generation America and don’t feel like he needs anything else but basic living, dorm food $ and tuition/books. He got a job a few months ago and just hid it from them, but they found out and stopped paying for his basic living needs until he quit because they need him on a whims notice to come home. Ok, enough with the back story- I know there are other more pressing psychological issues that he needs to take up with his parents- like letting him get a job. My point is, he would really like to get a student loan for the things that are not basic- yet are still school related. Such as transportation, trips, food outside of school, some better computer parts for processing his Computer Science major/classes. Granted, he is genuinely interested in saving money and he has great credit for his age. His parents did instill lots of great finance values in him. But, he wants to apply for a student loan but all the private loans through a bank’s interest rate are much higher (not unbearable) than expected. Yet, in order to get a government loan he would need to go the FAFSA route and that requires the use of his parent’s information? Does anyone know the process of FAFSA- is there a way to go about getting any assistance without your parent’s information or co-signing? Should he just suck it up and go the personal bank route? I know a personal loan can be used for anything but do government type loans have any limitations? Also, what I would appreciate is any information on how student loans work- what to do first? What are the best types to get? What is necessary to acquire them? This is more for me, as I file independently because my parent’s can’t help me with school, but they are willing to help me however they can that does not involve thousands of dollars a year.