My FICO TU Score is 789. Will I get a private student loan? Which loan co's pull TU?

Paying for College
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<p>My FICO TU Score is 789. Will I get a private student loan? Which loan companies pull TU?</p>

<p>Just went to myFICO and bought my FICO TU score, yesterday.
789 is a great score, of course.
But lenders consider other factors.
I have no co-signer.
In my 30s.
Income/yr 40K.
At the same job over 2 years.
Same address for 2 years.
No negs - collections, inquiries, public records, etc.
BUT not much credit history established.
A Discover Card w/ no lates and a $6500 credit limit, btw 1996-2001. But I never used it. High Balance: 0.
And a new BOA credit card w/ no lates and a $500 credit limit, just opened in 4/08.
That’s it. No other credit cards, no auto loans, no home mortgages, no school loans.
So, how do you think I’ll fare going for private student loans?
As someone with good credit or not enough established?
Think I’ll get the loan at a good rate, a poor rate, or not at all (denied)?</p>

<p>And which lenders pull which scores for private student loans? TU is my best. I heard Chase pulls TU for most people.</p>

<p>Thanks.</p>

<p>P.S. No comments on the evils of private student loans. I know to max out other sources first - federal, scholarships, grants - and I plan on working part-time, and full-time summer, for extra cash flow.</p>

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<p>do you have a credit union you could borrow from? No one says the loan has to be labeled “student loan”. You might have better rates with a ‘regular loan’</p>

<p>If your credit score is that high, you would be a good risk. How much do you need to borrow and will you be deferring payments or making them as you go?</p>

<p>Did you run your numbers thru the fafsa estimator to get an idea what your EFC will be. </p>

<p>Independent students have higher limits for stafford loans than dependent students (I don’t have the chart handy)</p>

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<p>you probably will get a very good rate student loan with a fico like that. That is what the score is for. You are a good risk with no adverse credit hx. What kind of education are you going for? Some professions have special goverment loans that end up being written off if you do a few required things. Also look at Sallie Mae’s private student loans. I’m not positive about this but aren’t portions of student loans tax deductable? which make it better than private non student loan.</p>