Fed Financial - Need student loan, bad credit, where should I look?

Need student loan, bad credit, where should I look?

My parents pay for my schooling, but I still have to pay for books and other fees that go along with school. I do have a pell grant, but my dad controls that so I don't see a penny of it. I am considering getting a small student loan, so that I can: a) Get out of credit card debt (almost $2,000) b) Have a little money to spend c) Get a place on campus I know that this is a way that I can get some money, take care of some problems and sort my life out. Once I get finished with school, I'll have a job and be able to pay it all back. I was thinking 5,000 dollars would be a good starting point. Problem is, that I don't want family to know that I am doing this and my credit really sucks. I have a small job, but it's just enough to pay for the bills. This would give me some leverage. Where should I look and what other advice can you give me?

Public Comments

Check out the Free Application for Federal Student Aid (FAFSA). One of the programs available through the FAFSA is called "work study". You can get a job at school (on your campus), and use the $$$ you earn for whatever you want - buying books or paying your credit card...doesn't matter. The Work Study program is a GRANT, not a LOAN. This means that you do not have to repay anything once you're completed with your education. I've linked to the FAFSA website in the sources section.
I would say talk to someone at your college, there are programs that can help like fafsa. Ask about it.
oh wow are you in trouble. your debt may keep you from getting a loan to fix your debt. even if you do get approved your interest rates will be high. the will also look at your income and how much debt you owe out. i think you need to tell you parents what kind of trouble you are in ,maybe the can help you out,maybe even co sign on a loan with you.
with a cosigner. I found interesting information about your answer, THE BEST college loans with low interests, scholarships, college grants here.http://all-student-loan-consolidation.blogspot.com/2007/09/college-loans-your-friend-and-your-aid.html
this actually is a very good idea if you use the money for those things that you say you will use them for. I do not suggest work study because it's the equivalency to slavery..but I do suggest you fill out a FAFSA and look into subsidized and unsubsidized loans. (they do not do credit checks) Now, you must know that if you file to get a 5000 loan you will get the money in two payments. One for 2500 and the other for 2500 and you will have to wait until it is time for refunds before you get your money in the fall around late sept early oct and then again for the spring semester around March.
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