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No Co-signer, Bad Credit

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Subject: No Co-signer, Bad Credit
Posted on Tue Jan 26, 2010 7:21 am  

Hi jayben,

Carol is absolutely right. you can check out FAFSA plan through their website. Moreover is there nobody else who can act as a co - signer, with a good credit score? I believe you can think of this.


Subject: student loans
Posted on Wed Mar 02, 2011 4:55 pm  

I understand if you work for a place that hires people with disability you my not have to pay back the student loans that you borrow is this statement true :

Subject: home loan
Posted on Wed Mar 09, 2011 3:31 am  

my credit score is low around 600. Will it be hard to get loan to buy first home?
lil chick

Subject: cosigner
Posted on Thu Apr 28, 2011 4:11 pm  

Look ppl FASFA doesn't fully cover school whether your full time out of state or in state I'm going through the same thing. The only other option is private loans which they don't approve students with good credit unless you make 12000 a year too. And if no one wants to co sign for you your screwed...


Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883

1915 Magic Points

Subject: credit
Posted on Mon May 16, 2011 12:55 am  

You're correct. FAFSA covers ALOT of it, but, not all. I'm a student, myself, and let me tell you.....their grants sure do help me!! They DO have student loans on their sight. I DO know the student loans are based on whether your an 'independent' student (living away from home) or other wise, income, etc. But, the Private Lenders can be very expensive and you would have no 'flexibility' of any kind with payments.


Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883

1915 Magic Points

Subject: credit
Posted on Mon Jun 20, 2011 10:40 am  

very true!! Also,..some schools (like the university I am attending) still need verifiacation of income, tax information, etc., to have on file each semester even if you did fill out an application for FAFSA. Grants are sure helpful when trying to get through school. don't have to pay back. But, again,........depends on your income, etc.
Melissa Mae

Subject: Credit
Posted on Thu Jul 21, 2011 2:29 am  

Hello all,
I am a student who is recently having to take the jump from a community college to a private university. I worked full-time and never took out a loan for my A.A., but due to a terrible decision when I was 18, I totally screwed my credit up by not paying any bills. Now I have defaulted credit cards (paid off) and medical bills that went into collection (paid off) on my credit report. To be honest, I do not think I would even want to lend to me by looking at my credit report! There is a car loan and a small bank loan on my credit report which states both are in good standing and never had a late payment but other than that I look like a terrible canidate because four years ago I was a terrible canidate. I still plan on working full-time and taking evening classes but FAFSA will only cover 1/5th of my tuition because I am an evening student. I am at a complete loss as to what to do!

Subject: late payment on a student loan
Posted on Tue Dec 27, 2011 10:58 am  

I paid $12.99 for a Trans Union Credit Summary/Report from Lexington Law Firm, that states I have a late payment on a Student Loan that dates back to 1997.

How do I get this removed from this Credit Report/Summary? I can't get any credit cards because of this.


Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883

1915 Magic Points

Subject: credit
Posted on Tue Dec 27, 2011 9:04 pm  

I will tell you Lexington Law firm is NOT a company you want to use. They have several complaints aqainst them, they claim to have a good 'BBB' rating ( they are not under the BBB..) and they charge people for phony bills. I, personally, have used them and they told me they did all these things for me and try to charge me over $500.00..for nothing. They said a "$99.00 deposit fee will required." They took almost $200.00 for a "fee" out of my bank account. I was extremely mad!!! I talked to a lawyer when this all happened. I actually saw a 'blacklist' that Lexington Law is on. They are a fraud company based out of the US. So,..again..helpful this warning helps you.
computer repair in athens

Subject: computer repair software
Posted on Tue Jun 26, 2012 8:37 am  

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Subject: Moving out
Posted on Thu May 02, 2013 5:22 pm  

i'm 32 and my family and i are living at my mom's house we have bad credit jointly and i am the only one working. However my husband is receiving unemployment. My credit is fair alone but my husbands is what drags it down. Is it better to apply for a personal loan with a co-applicant or do i have the same chance of approval if i apply by myself. We desperately need to move out and consolidate our credit card debt which totals to 3,000. Need help!! i have tried applying to some websites like Avantcredit but no success. Please advise. Thanks.

Subject: cJvUxjLdDK
Posted on Sun Sep 01, 2013 1:51 am  

Your only options right now are Sallie Mae and parheps Wells Fargo. But you are going to have to have a cosigner with good credit, a long stable employment history with an income high enough to make the payments when/if you can not.Good luck. Private loans are evil. Was this answer helpful?

Joined: 12 Sep 2013
rblack's page
Posts: 40

215 Magic Points

Posted on Thu Sep 12, 2013 7:26 am  

You can repair your credit report by paying off the bills along with the owed amount. Once your pay off your bills, it can help you reestablish your credit report. After that, you can apply for a new loan on favorable terms.

Subject: GNobbyPMyLcy
Posted on Tue Aug 05, 2014 11:24 pm  

w29WUd I am so grateful for your article post. Really Cool.
Jay Williams

Subject: Renting with bad credit..
Posted on Wed Aug 20, 2014 5:18 pm  

Is there any way around the without using a co-signer?

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