"student" loans? not a student, want to use money for vacation?

im 18, i have a credit card, have established SOME credit, i dont know what my score is, i am a high school senior- graduating in two weeks- i am enrolled at the community college and am taking a class there right now.





i need money. a lot of money. i want to travel the world for the next year. i dont have a job and i dont want to waste time with a job. i was thinking that maybe i could get a loan? but beause of my short, short credit history and age, would it be improbable for me to get a loan-loan? would the only choice for me be a student loan? but would all of the money i borrow have to be for student/school related costs, or could i use that money for my travels? and by the time i want to get the loan, i wont be enrolled in any classes, but will still be registered... so... does tht make me a student? anyone have any advise? i NEED to travel now, not in 10 years, not in 5, i need to do it within the next year and a half... how can i make it happen?

"student" loans? not a student, want to use money for vacation?
i don't think you can qualify for student loans unless you'll be registered for classes. if i remember correctly, the loan officers do ask how many hours you're registered for, and they require that your college's financial aid office verify all that. i may be wrong, though... college was a few years ago for me. as for other types of loans, you're right; it's not likely they'll extend you a loan with your short credit history.


anyway, sweetie, take your time! you have your whole life to do some traveling, and it'll be much more fun when you actually have the money and the know-how to do it. you might want to reconsider the job thing and earn yourself a few bucks first.
Reply:The school will help you apply for the loan. And if you get it, you get the money, usually AFTER classes start. And many loans will require you to pay them back the entire amount if you drop out before a certain point. So this is a BAD idea.





And you dont NEED to travel, you need to eat. Its time you learn the difference between NEED and WANT, and become a responsible adult. Really!
Reply:That is a BADDDD idea. If you don't have a job, how do u plan on paying this back?? The interest is high as crap, and if you fail to pay it, they will srew you for the reast of your life. It's a BAD idea. GET A JOB, save money, and travel later. GO to school!!