I am hoping to get some ideas regarding student loans for college.
I recently graduated in December 2011 with my bachelor degrees. I am trying to go back to school in the fall. I have decided that I want to go to college for Speech Language Pathology (SLP). I can't go directly to the master's program because I need to do a 1 year post-baccalaureate program to do leveling classes since I don't have the prerequisites for the masters program.
Okay, so here's the scoop. It is a 3 semester program and financial aid will cover part of the tuition cost. SO and I have a budget planned so that we can pay for the Spring and Summer semesters ourselves. The problem is that I need a loan for fall semester and I cannot get one without a co-signer.
My parents are not eligible to be cosigners. We asked SO's dad if he will co-sign and he said he will... BUT he has some unreasonable requests that we must do before he would cosign. I wont get into his requests, but his requests are simply not an option for us. The only other cosigners I can think of would be my two bosses, but they barely know me. =/ Should I ask them?
I need ideas on what we can do to come up with the money we need. Does anyone know of loans you can get without a cosigner? Tips on helpful websites?
Our last option is to get a payday loan, but the interest on that would be around 20% Eeeeeek!! I'm just wondering if anyone knows anything we can do? (fyi: I've already spoken to a financial aid counselor and she said to apply for a private student loan, which I did... but I need a cosigner. )
Thanks for any tips!
OH and if anyone here has ever gotten a payday loan, what was your experience? I've heard horror stories from ppl who have gotten payday loans. =/