Go through your schools fin aid office to get the loans. You want Subsidized loans if at all possible, but Unsub are pretty good too. Your new loans will likely be bought by Sallie Mae once you quit school or graduate, just like your old once were. So there really isn’t a need to go through them, they’ll end up there anyway. If you do go through them, just make sure you are getting a sub or unsub Stafford or Perkins loan and not one of their new high interest private loans. I’ve attached a good publication that has the minimum and maximum loan amounts based on your dependency status and classification.

Just apply at http://www.salliemae.com and see if you qualify without a co-signer or not…….

The school’s FA aid decides the actual amount you get, sallie mae doesn’t decide your loan amount.

It absolutely sucks to have others so in control of your life especially since the money affects your ability to get a GPA or even be able to complete your degree plan at all!

You can probably be approved for the loan since you have a job and a decent credit score. They usually take anywhere from 30 minutes to 1 week for the answer(1 week if you are applying with a cosigner). When approved, it takes 1-2 weeks to get funded.

I tried this company and they turned me down, but I just filed bankruptcy 1 year ago….I was approved with a cosigner…but have none.

You can apply any time while in school.

Good luck!

Why aren’t you applying for federal loans through your school and fafsa.gov (or .edu, can’t remember)? The interest rates are much better.

You are going to have to pay the fee to the college and apply, at the same time apply for loans through the financial aid office. There is no reason why you aren’t eligible for federal loans unless the school doesn’t offer them? Maybe it isn’t a 4 year college..

Anyways, once you go back to school, assuming its a university or CC then your loans should ideally go on deferment.