My parents won't cosign on any of my loans. Is it possible that I will be able to get loans without a co-signer?

Well first of all do your best to avoid debt. If you do have debt pay it back as agreed every month. A great credit record will be a big help when you are older.

Second I assume you don't already have bad credit, if you do then I would ask a different question. If you are asking about student loans I don't believe you will have any trouble with that. They don't expect students to have much if any credit history.

These loans really hurt later in life though so do what you can to avoid them. My wife is still paying student loans back and she has not been in school in a long time. To build a credit history apply for a department store card or similar (target, etc).

They will eagerly give you a small amount of credit. Put a small amount on the card and then pay it back. Do that reliably.

Even with little credit history if you have income you should be able to get a car loan without too much trouble. Shop around, do not simply take a loan from a dealership. Ask your bank, join a credit union if you can, they often have very good terms on their loans.

You will probably need to be 18 before you can get any credit and start this process if you are not yet.

Will you be able to help me with my rent plz you can pick how much.

Another good starter card is a gasoline credit card. But pay it IN FULL! Co signing now affects the credit scores of all concerned so that is no doubt your parents issue.

Been in those shoes. Also try a credit union for a small loan. Some are more helpful than others.

Just like small banks in grocery stores. Sometimes they are more understanding.

Yes its very possible for you to get a loan on your own. Keep in mind if you don't have much credit history your intrerest rate may be much higher then with a cosigner.

The Student loan representative at the college will need to answer that for you. It is likely to depend on the amount you desire and your personal job or assets.

You may be eligible for a Pell grant and a subsidized loan, neither of which requires a co-signer. If your credit is nonexistant or not outstanding, you will probably need a co-signer for a private lender. If I could talk with your parents, I would advise them to reconsider their decision not to co-sign.

Helping a child get a college education is one of the most important things a parent can do for a child. As a practical matter, a college education is likely to make a child less dependent on parents in the future. I co-signed several loans for my step-daughter, who is not the best money manager.

I didn't want to, but when she walks across the stage to get her diploma, I will be so happy that I helped her fulfill her dream of becoming a graphic artist.

Yes if you are us resident then you get without co-sighner loan.

Students that are considered in need do not have to have a cosigner for student loans. However, if you are not yet an independent student and your parents make over a certain amount you will not be able to take out the typical government insured loan. These loans are the most affordable.

If you don't qualify for this, you do have other options. Some banks will lend you the money without a cosigner providing you have some credit, accounts with them, or collaterol. This depends on this individual institution.

In addition, consider applying for any and every scholarship that you can. Avoiding loans when feasible is your best option. I assume that you are still in high school and living with your parents at this point.

Getting a part time job and maintaining a bank account can help you. Talk with your high school guidance counselor or someone at the college you are planning to attend. There are many scholarships that may be available that aren't widely advertised or known about.

For example, my college offers a $4000 scholarship to students with a gpa above 2.5. It is an in house scholarship and all I had to do was fill out the application and write a short letter as to why I needed the scholarship and my financial plans. I hope this helps, just keep your options open.

If you have a good credit score, over 18 yrs of age and a job with enough income to spending ratio you can check out the credit card program for college students. Check online through U.S. Bank for their credit programs for college students. You need to build credit and if your parents co-sign and you default it will hurt their credit in an already harsh economy.

Take your time. You do not need a credit card at this age.

Yes you shouldnt have too much difficulty doing it yourself. I just turned 21 and finally decided to get back in school and filled out a standford and some other loans paying for over $45,000 towards college. They didn't require much either outside of a signature.

This may be different depending on where you get enrolled at though. I suggest that you contact your financial aid department at the college you will be attending ASAP. They will help you find loans that won't require a co-signer and will help you get enough to get through school.

They are extremely helpful and don't cost anything extra. Take advantage of the stress relieving opportunity! Good luck with school!

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