superbroker

It depends on when in August you're referring? With today's technology a loan can be approved, verified w/school, and funded within a few days. I would apply now with a credit worthy co-signer and see what happens. This will allow you the best chance of getting approved with a lower interest rate.

Alliance One is known for not playing by the rules. They are notorious for breaking many rules of the FDCA. They are headquartered in Trevose, Pa. and have offices in I believe 5 states including Minnesota, Washington, Indiana. They have been sued a multitude of times and paid heavy fines for inappropriate practices. Google them and see all of the posts regarding threats, calling neighbors, work, general harrassment, etc.

The reason these loans are not being offered is because of borrower irresponsibility. I know through personal connections that students were using these funds for spring break, cars, HD TV's, etc. They would call whatever lender and literally be mad that the processing wasn't moving as quickly as they needed (ie..leaving for spring break next week...where's my $$). Stories of students who spent to much money they couldn't afford their tuition or partial tuition making them <half time or having to withdraw completely. Therefore they immediately went into their grace period with the new loan and due for payment. Unless you're trying to use the money for something other than the "cost of attendance" (tuition, food, transportation, room/board, misc.) the school should forward all overages to you once their tab is paid.