So this is what I have figured out no matter what program I choose its about:

5,000 tution
2,000 plane flight

I wanted to get 10,000 in student loans (to cover my living expenses in the states and fluff money)

And I wanted to get an additional 2,000 so I can make it through december and pay off one credit card- schools finicial aid doesn't come in till January... and I need december money.

So I want to get a total of 12k to insure that I can afford to go to ireland (no point in spending money on a passport, paying the school fees and the program fees to apply then having problems achieving that funding) I have to go private loan. My credit rating is somewhere around 730. I bought a house with my roommate last year.

House dept is about 100k
Car dept is about 7k
One unpaid VA Credit Union credit card is 700 (which would pay off with student loan if all goes to plan) credit limit = 1k
lowes credit card balance = 0 credit limit = 300

Work is 8 dollars an hour, 20 hours a week.

Soooooo.... which private loan source do you think I should apply to? Sallie Mae??? Anyone better? I don't want to start paying off this loan until I graduate summer 09. And I don't want a co signer- really don't need one with my credit history anyway.