First, but no offense, I wouldn’t loan you any money with an attitude like yours. A lot of people get into financial trouble due to various reasons. If you’re college bound, you should know this. It’s not your parents’ responsiblity to pay your way for college. It’s great if they can help, but since this isn’t an option, you need to think further out of your box. Do you have someone else in your family that could co-sign for you? An aunt, uncle, grandparents??? There has to be someone. Are you enrolled in a college, or are just looking? If you’re already enrolled or have been accepted, then talk to your financial aid counselor about your situation, because if there are ways to get money for you, they will find it. In the mean time, try to be a little more understanding on your parents’ situation. Do you think they like what they’ve done? It’s time to grow up a little bit and concentrate on what needs to be done (getting you a loan) instead of getting mad at something that’s already been done (your parents’ credit). Good luck.