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I applied for a medical school student loan through wells fargo and sallie mae and both were declined, even with a cosigner.
When i applied my score was just below 600 and my cosigner was about 690. I took steps to improve my score including paying off a collections amount and opening a secured credit card with a $600 credit line (previously my credit line was $0).
My cosigner also paid off a large balance on their credit card which was maxed out, so their score should improve substantially as well.
Would I be approved for a 77k (total cost of attendance) loan with a credit score of 600-620 and a cosigner score of about 720?
Will decreasing the loan amount help improve chances of approval (lets say to 50k or 60k)?
Is there a difference in WF or SM regarding which one is more flexible on approving credit scores that are on the lower margins? (the cosigner and I are both WF customers)