looking for some loans that dont involve the school. how hard is it to get these loans? any different criteria? how long should history be? i dont have a long history despite having a great fico score. Ive heard of chele (sp) financial academic edge loan and bank one. anyone with experience

I've never had a loan with either, but I think TERI http://www.teri.org offers a student loan that does not require school certification, and I think BankOne http://www.bankone.com does as well. I don't know what their credit requirements are, however.