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I am an independent undergraduate student who has bad credit and needs a private student loan. I will, more than likely, be needing a private student loan because I have almost reached my stafford student loan limits for undergraduate students. Unfortunately, when I was a younger gal, I was not very good with my credit and have really bad credit as a result. It is my goal to one day resolve my credit issues, but I have unfortunately been living in Memphis, Tn. for a while now and we have a horrible unemployment rate (2nd worse in the nation) so I have been up a creek with a fair amount of my finances with regards to credit and have had mad trouble with obtaining fair paying empolyment and have even done tutoring to fill in the blanks with that.
There are people in my family who would co sign a loan as long as I prove that I would pay it back myself, because I am too old for a parent plus loan. Are there any private student loans that only take the co signers credit information into consideration? I do not know what to do about this and am trying to look for scholarships, but I really need something more definate than a scholarship because those are all shot in the dark types of opportunities. I am determined to finish my schooling and I just do not know what to do because I do not live in an area of the country where I can obtain a second job or anything like that.
I take full responsibility for my credit rating, but I really think I was duped with regards to stafford loans. I qualify for grants and whatnot, but I am worried about what to do for the fall semester and all of that because I would hate to not be able to finish my schooling because of finances.