I graduated highschool 1.5 years early, so I will not be 18 until November freshman year of college (Fall 2007). My cost of attendance, etc. is a little over $30,000 per year. After all the government loans, grants, and scholarships, I still need about $10,000. My parents cannot afford to contribute anything, and they do not have good enough credit to cosign (and wouldn’t anyways). I am working but there is no way I will make that kind of money. I keep recieving things in the mail about private lenders like campusdoor.com or even banks, but they all require you to be 18! This is very important to me, I need to go to college THIS FALL. I will call the financial aid office too, but if any of you have ideas i would LOVE to hear them.
Thanks, Your answers mean a lot to me!
.Natasha.
Student_Loans_And_Grants » What non-government student loans can you get under 18 with no cosigner?
sry natasha no loans for you until you’re over 18
Well in most states you have to be 18 to sign any legal document or contract — so you probably won’t get a loan before that however you should be able get into a payment plan with your school — and when you turn 18 work on the loan.
Yes !
There you go :
Also take a look there, it may help you :
Good luck !
Natasha, this is one of those terribly unfortunate situations with no good answer. You sound like a really responsible person who absolutely should be in college and working towards your degree. You are being penalized for graduating early and being a hard-working, intelligent person. There is most likely no lender that will let someone under 18 take out a loan with no co-signer.
Having said that, i think you need to try your hardest to get a relative or close family friend to co-sign for the loan. I would suggest taking some time to write up some kind of contract or at least, think of how to approach these people in a way which will make them see just how important it is to your future. Co-signing for a responsible person is not as dangerous as most people think. Stick with it and find a way, you are exactly the type of person that colleges and companies need.
Good Luck and if you find someone that agrees and will co-sign, check out for a private student loan.