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Student Loan can be sought through many different avenues. It all depends on your personal credit rating. The biggest challenge is finding one that offers the lowest interest rate.There are various routes to explore when seeking out a bad credit student loan and I would suggest that your first port of call would be the school for which you are about to attend. You will need to fill out a FAFSA form in order to initially apply for a federal loan. Perkins loans are combined school and government funds. A combination loan may be another alternative way of acquiring a bad credit student loan. This type of student loan enables you to consolidatestudent loans defer your payment until you have finished college. This in turn will allow you time to improve your credit rating and when you leave college you could then look into consolidating your bad credit student loan at a better interest rate. This will mean your monthly payments will be at a lower level and therefore more affordable.

There different kinds of student loans.

If you are wanting to get a federally back loan, going through your bank. You’d need to complete the forms located at http://fafsa.ed.gov

If you want a private student loan. They require a good credit history and employment to show income. You’ll likely need a co-signor. The thing about private student loans is they are not like federal loans. The rates, terms and fees vary from lender to lender. You should not apply just at your local bank as this limits your options. A couple places I recommend is Chase Bank, you can apply online through http://www.usadegrees.com/chase/ and Student Loan Advisors at http://www.StudentLoanAdvisors.com

But again, if you need to borrow money for college, as most of us do, you’re better off to start trying to get federal loans and use the private loans as a ‘gap’ funding source to cover any shortfall you have with the federal loans.

To get a student loan you have to fill at the FAFSA. Then your school will determine if you are eligible for government loans. I think you have to do this even if you go through your personal bank.

if you need a student loan it doesnt mattter your age as long as you can prove that you are in college you can get it .