Articles & News About Money & Coin Collecting

Sourcing College Money Without The Need For A Cosigner

With education costs continuing to rise each year it is becoming increasingly difficult to obtain the money necessary for a college education and many students spend more time worrying about raising the money needed than they do working at their studies. As if this was not bad enough far too many students discover that once they have left college they are left with so much loan debt that it quite simply drags them down and will probably take many years to pay off. Now, if this paints a grim picture then for many students the problem of financing a college education is increased by the need to raise the necessary money without having a cosigner to their loans.

College funding these days is not simply a matter of looking to a single source of finance for most students but is a matter of putting together a portfolio of funds from a variety of different sources.

The first action for every student must be to try to find scholarships and grants. Far too many students ignore this source of effectively free money altogether and yet it is surprising just how many scholarships and grants are available these days. In most instances of course the sums of money available are reasonably small but even so can be extremely useful as one part of your overall funding plan.

The next source of funding ought to be federal loans through schemes such as Perkins and Stafford loans which are granted as both unsubsidized and subsidized loans. Perkins loans especially useful because of their low interest rate but are also the most difficult loans to obtain and need a student to demonstrate particular financial hardship.

Regrettably at this point although you will have started to create your portfolio it is unlikely that it will provide you with enough money and you will now need to begin casting your net wider and will have two roads to follow.

If you are fortunate enough to have the assistance and support of either a guardian or parent then they can apply for a federal student PLUS loan to make up the difference between the money that you have been able to source yourself and the actual cost of attending college. Student PLUS loans are subject to your guardian or parent having a reasonable credit history but the requirements are generally less stringent than those which would be applied by private lenders.

If you have not got a guardian or parent to whom you can turn or decide to go it alone then you will need to obtain a loan from a private lender and precisely how simple that will be will depend to a large extent on your personal credit history. In the majority of cases lenders will be quite happy to grant you a loan as long as you have a good credit history and will require you to have a cosigner if you have no credit history on which they can base their lending decision or have a poor credit history. Nonetheless, with a growing number of people with a bad credit history today there is also an increasing number of lenders who are prepared to grant loans without the need for a cosigner and so it is simply a question of shopping around.

A bad credit loan without a need for a cosigner will of course cost you more than a normal good credit loan although as long as you take your time and shop around carefully you will get a loan at a reasonable rather than extortionate rate of interest.

TheStudentLoansCenter.com provides information on all aspects of college financing including student loans without cosigner support.

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