First, this forum is mostly for discussing student loans, not other types of credit for students, so you might get a better response if you post in one of the other forums. I'll try to help in the meantime.
In order to get a loan, a lender needs to believe that you will be able and willing to pay it back. In most cases, they determine that with a review of two things 1) your income and 2) your credit history. If you have a strong credit history, and a good income history, you may be able to get a loan even though you are currently unemployed, but as a young college student, chances are that you don't have either of those things. Even though you may have handled your credit well so far, there are factors like time, mix and number of accounts that work against young people who are new to handling credit (in terms of their credit score).
I'd say your best bet may be a credit union or local bank that you have an existing relationship with, who may review your file manually and trust you more due to your having other accounts with them. Another option would to apply for a credit card, possibly with a low interest rate or a 0% offer for X months. But beware of doing that, maxing out your credit line will decrease your score, and it's not a great way to start off learning how to handle credit.
What is the loan for? Can you delay the expenses until you get a job somehow?
