Credit Card Center Advertiser Disclosure

New Member
Posts: 2
Registered: ‎07-26-2017
0 Kudos

Anywhere to get a student loan while rebuilding credit (611 FICO)?

[ Edited ]

Please see this link for a deeper look into my credit picture. 


I'm learning that my government issued financial aid will not be enough to cover the last two semesters of my undergraduate education and so I'll have to finance the rest of it privately. It'll only be ~$4,000 if I had to guess. Not all that much in the grand scheme of things. 

About a year ago, I applied for a Citizens Bank student loan with a co-signer and was denied. My credit has improved dramatically since then, but I don't want to go and apply for multiple loans and suffer for a few hard pulls if I'm not going to get approved. 


Is there a place I can apply for a loan that won't murder me with interest while also having a good chance at approval with a co-signer now that my score is on the rise with responsible usage? 


Edit: Would it help to apply for loans with companies where I have existing relationships?

Frequent Contributor
Posts: 298
Registered: ‎12-07-2014
0 Kudos

Re: Anywhere to get a student loan while rebuilding credit (611 FICO)?

Have you pulled scores? When will you need the loans?
Regular Contributor
Posts: 246
Registered: ‎02-22-2013
0 Kudos

Re: Anywhere to get a student loan while rebuilding credit (611 FICO)?


I used this a couple of times back in 2014, and it was soft pulls.  I used it just to find out my true FICO score because even if you're denied, they give you a score report. 


100% up to if you trust it, or if they have interest rates that you'd be willing to pay for student debt. 

TU FICO: 778 ||| EQ FICO: 784 ||| EX FICO '08 : 780

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.