Stafford Loan questions!! Denial? Sub and unsub

Paying for College
1

<p>Ok so here goes I am all new to this so bear with me!
I applied for student loans last week I have nery bad credit (my fault from the first time going to school, young and stupid?) Then I get a call telling me that I am denied for my student loans. They asked if I could get a cosigner NO! My parents won’t do it because of my prior history! But I thought that you could not be denied a stafford loan? I thought that this is what I had filled out for? I tried to get ahold of my financial counselour and nothing no response yet?</p>

<p>Can you get denied for a stafford loan? This again is from an independent student not applying with parents? Please help with any information that you may have?? Thanks!</p>

2

<p>are your previous loans paid back or in process of being paid back?
If your previous loans are in default- you will not be eligible for addtional loans</p>

<p>

</p>

3

<p>Emeraldkity is correct – you cannot get additional student loans while in default on previous ones. Otherwise, if you are just talking bad credit in general (credit card debt, etc) then you will qualify for Stafford Loans – Perkins too, if the school awards them to you.</p>

4

<p>I didn’t really have loans they are all cc debt but a bunch! The first time I went to school, I didn’t have to take out any student loans so I don’t have any student loan debt if it matters? This is the first time taking out loans for school!
My main question is: Can you even be denied for a stafford loan? I have been researching and from what I can tell there isn’t any information on this. I have found infor. that you can get this on bad credit because it is need based not credit based, but then why the refusal? Just not understand the process I guess? I thought that stafford loans were guaranteed? Am I wrong?</p>

5

<p>if it isn’t student loans- you should be eligible
you filled out the FAFSA and they denied you?
<a href=“http://www.ombudsman.ed.gov/[/url]”>http://www.ombudsman.ed.gov/&lt;/a&gt; ( for help with Federal loans)</p>

<p><a href=“http://studentaid.ed.gov/PORTALSWebApp/students/english/applying.jsp?tab=applying[/url]”>http://studentaid.ed.gov/PORTALSWebApp/students/english/applying.jsp?tab=applying&lt;/a&gt;&lt;/p&gt;

6

<p>yes I filled out the fafsa…then a loan application also from wachovia. then I got a call from wachovia stating that I needed a cosigner. MAybe that was just for a regular loan. Don’t you pick out a lender for your stafford too.They are the only lender that I picked. I went ahead and tried again on aes because the wachovia wasn’t even showing up on there. Now I chose BOA and it shows up?
Bear with me. I am new at this lending part. again my first college exp. was all paid for…so I don’t know too much and my financial counselor is now missing in action after calls and emails?</p>

7

<p>No, man. Try to go straight through “the gov.” Like the Ford Program or something, alright? </p>

<p>If you are sure, Jenilyn, that you did not mess up anywhere when you used to be in school, then you can get the Stafford loans or the Perkins (if your school recognisees the Perkins). </p>

<p>Be sure your past record with the other school is Kosher. Be totally sure of that. And, then speak with someone else in fin aid.</p>

8

<p>Do you have any links to that ford program or others that I can take a look at?? My other school info is fine, thank god!! I did ok back then, just going to school at 17 and having ccs was like giving candy to a baby learned my lesson though!! And still learning the hard way!! </p>

<p>So sad that I am getting more info from here and this forum that my school will even help me and tell me about! I am so glad I found this!!</p>