<h1 class="subject">How do I get loans to go to school without a cosigner?</h1>

After the completion of Fafsa and such, I only need $11,000 or so to pay for my upcoming freshmen year of college tuition. My parents are unwilling to sign loans for me to go and I can't guarantee that the private scholarships I've applied for will be enough to cover the remaining costs. Is there anyway at only 17 I can get loans myself or come up with the money before my freshmen year begins in august. Please help.

A minor cannot enter in to a legal contract, so no lender will give you a loan until you are at least 18. Even then, without a co-signer, it will be very difficult to secure a loan without equity. You will need to have a job earning more than $1,000 and to be able to prove that you can pay back the loan.

You can however get a federal student loan (without a cosigner) that you will never have to pay back as long as you meet regular admission standards. Apply at Student Loan.Gov at:

http://www.students.gov/STUGOVWebApp/Public?topicID=15&operation=topic

or

http://www.students.gov/STUGOVWebApp/Public

- or

http://fafsa.ed.gov.

You won't need a cosigner for a federal student loan.

Be aware that the max you will be able to borrow is about 3,500 a year as a freshman. This will likely pay for your tuition and books.

Best of luck to you!

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