I'm seriously considering going to school to change careers (I've come to the conclusion that I need a better paying job), my current employer offers tution reimbursement. Now I need to figure out how to pay for school or if it's even possible. A student loan is the only way I could swing this.

I thought most student loans were all but guaranteed to get. Choose your school carefully especially dealing with private schools, they may close and you still owe! (I know one girl that still owes 25k to Key bank because school filed for BK.) Also check for grants -Pell and more. I would definately not sign on any school that has a fixed tuition even if you quit ,ex cert/degree costs $xx,xxx you go one month and quit you owe the whole fee. I got my MCSE / Network admin certs in 1998 school was out of business by 2001.

OP, you should apply for federal aid first. You can fill a FAFSA online, then your school will determine how much aid you qualify for based on your income. It may be federal grants, school scholarships, or federal loans. Your credit scores will only matter if you need to apply for private loans, but usually the interest rates and loan terms are not as good as federal loans.

are yo applying as a gradate or undergraduate?

as an undergraduate i was automatically guaranteed approval. the only time i wasn't was when i had a default for student loans on my credit (in error). after i corrected it i had no problems getting a loan as an undergraduate.

my husband has low/bad credit and also qualified for student loans as an undergrad.

as i gradaute i believe it is the same way.

someone please correct me if i'm wrong but i believe the only time you have to be concerned about credit is with PLUS and Private loans.