Getting a student loan without cosigner - help!

[Anonymous]

I'm in the odd situation of being an adult (33) returning to school for my B.A. and unable to get a student loan without a cosigner, but I don't have anyone to be a cosigner. Any recommendations? I've done the FAFSA but my income puts me just a little too high to be eligible for much based on "need." I've been improving my credit for the past few years, and it recently spiked to 750+ but has recently leveled out at 695. I've tried applying for a mere $5,000 student loan (Sallie Mae and Wells Fargo) but on both it said I have to apply with a cosigner.

Any recommendations? Loans that don't require a co-signer? Other options?

Thanks so much from a desparate student!

[Tazman81]

You probably do not qualify for a grant, but if you do not already have a degree, then you should likely qualify for federal student loans through Sallie Mae, or Direct Loans.  Have you talked with your school's Financial Aid department about federal loans?

[Anonymous]

If you are an undergrad there are Pell grants.  You might look into the workstudy program as well, but if as you say you cannot get a student loan without a cosigner, then you probably won't get one without a cosigner.

[Anonymous]

Thanks for the feedback! I finally found a co-signer and got a "regular" (not student) loan through my local bank. My income is just enough to exempt me from Pell Grants, and Sallie Mae wanted a co-signer. I really appreciate the responses though!

[Tazman81]

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@Anonymous wrote:

Thanks for the feedback! I finally found a co-signer and got a "regular" (not student) loan through my local bank. My income is just enough to exempt me from Pell Grants, and Sallie Mae wanted a co-signer. I really appreciate the responses though!

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Did you not qualify for Federal Student loans?