Who do I apply with for a Student Loan?

[F N 08 CALI]

Do not qual for federal student loans. unsub or sub anymore. Need student loan for 15,000. Does anybody know where I can apply for student loan without a cosigner and will look at 661 score and a few lates over 4 years old.

 

 

thank you in advance for your reply

[RangerGreen]

Undergrad or graduate?

 

Have you hit max for federal loans, or is there a different reason that disqualifies you?

[F N 08 CALI]

Undergrad?

 

Max student loan.

[gixxer750]

It's unlikely you'll be able to get a private loan without very good credit (680 and up) and low debt to income. You'll most likely need a co-signer with 700+ scores and no adverse history and low utilization.

 

Sallie Mae's Smart Option Loan can be applied for online and you'll receive an instant decision. If denied, they'll tell you to add a cosigner.

[Jaymes]

It's unlikely you'll be able to get a private loan without very good credit (680 and up) and low debt to income. You'll most likely need a co-signer with 700+ scores and no adverse history and low utilization.

 

Sallie Mae's Smart Option Loan can be applied for online and you'll receive an instant decision. If denied, they'll tell you to add a cosigner.

 

Gixxer, is 680 what Sallie Mae wants for the smart option loan? If so, I'm there. What other criteria does Sallie Mae look at?

[gixxer750]

It's unlikely you'll be able to get a private loan without very good credit (680 and up) and low debt to income. You'll most likely need a co-signer with 700+ scores and no adverse history and low utilization.

 

Sallie Mae's Smart Option Loan can be applied for online and you'll receive an instant decision. If denied, they'll tell you to add a cosigner.

 

Gixxer, is 680 what Sallie Mae wants for the smart option loan? If so, I'm there. What other criteria does Sallie Mae look at?

 

I'm just making an educated guess based of my own experience and my spouse's experience with Sallie Mae's smart option loans. I'm not sure the exact "cutoff" score required but I do know that they take a variety of factors into consideration, including but not limited to: debt to income, total student loan balances, utilization on existing tradelines, job history, etc.

 

I've was able to get a $10,000 Smart Option with a 688 mid score without a cosigner this last January. However, I had to have a cosigner for the current academic year for the same dollar amount with similar scores.

 

*shrugs*

[TexasLady?]

Wells Fargo flooded daughter this week with mail offering student loans.

Up to $25,00/year. (Dependent on loan product, other financial aid, creditworthiness and other factors)

877-372-5870

wellsfargo.com/undergrad2a

 

I know nothing about them though and was just about to shred the latest.