Fixed-rate student loan?

I'm a dirt broke college student who is looking to find a student loan that doesn't doom my future to financial crises. not consolidating yet, but i have already received the benefits from the fafsa. If there are any good ideas, i would love to hear them. i have a virtually unestablished credit rating, and will not have a cosigner. All the credit places i go to just shove a 0%intro. card in my face. I'm a finance major, so you dont have to dumb-down any answers. Thanks!

Fixed-rate student loan?
Well when I got my student loan I didn't have any interest while in college. My interest started 6 months after graduating. I don't know if they are doing loans differently now or not, but everyone that got a student loan got it through the government and this was the policy as long as you kept a certain amount of credit hours each semester. When I got close to graduating, several companies started sending me information to consolidate. They all wanted my loan. I locked in at 3.25%. The only advice I can give you is don't take out money that you don't need. I didn't take out money unless I needed it. I worked and paid what I could. A lot of my friends, took money out and paid rent and bought things they really didn't need and I'm sure are paying for it today. By not doing this, you will have a lower payment after graduating. You really have to consider how much you want to pay for the next 10-20 years. You're a finance major so you know how to be smart with your money. Just take the loan that the university gives you and you can consolidate later with any company of your choice.
Reply:Student loans are available with a wide range of lenders. Many students are finding themselves tough while going for a higher education. The flagrant cost of the higher education is one of main factors that are impeding the chances of your higher education. Since, education is the sole and one of the important tools for your personal development; it can not be ignored-all.To help you payingefficiently the huge cost of the higher%26lt;!-- education, now, student loans have been made into provision. You can avail these loans to meet the cost of your tuition fees as well as paying off other bills related to your education. You may be helped from the government agencies as well as from private players.





http://best-loans.awardspace.com/student...





From among the private lenders, the online lenders are those one that are known for the simple and fast processing. You can contact a number of such lenders online with their different loan quotes. An online method helps you negotiate for the best deal out of the available--%26gt;options and also make your approval faster. Students can obtain the education loans either with secured or unsecured form. Secured loans require pledging of an asset from the borrowers. Whereas, unsecured form has nothing such obligation. The secured form has a lower interest rate, whereas, with the unsecured one, it is somewhat higher.
Reply:I would suggest toughing it out and continue to be the typical "dirt broke" college student. Without a cosigner or good credit your loan options are limited and if you have borrowed Stafford already then you have reaped all the benefits of the gov programs. Work hard on applying for merit scholarships (from your school).





I would suggest getting a job or increasing your hours if you have one already. If that doesn't help, id suggest a cheaper school or cheaper living accommodations, sell the car, toss the cell phone, whatever you can do to cut expenses.





I would also really, really, really, think long and hard before you consolidate your loans and read all the fine print. Because what they DON'T tell you about consolidating is that you loose all the federal benefits of having government loans when you consolidate. (Like mandatory deferments, fixed interest rates, the ability to have your loans forgiven if you die or become disabled or if the school closes).





With consolidation you pay more in the long run. Sure the payments might be less, (and even the interest may be a smidge less) but your new loans are now on a 25 year payment plan instead of 10 and you will pay twice as much in the long run. They also promote these programs by saying, "make one payment". But folks don't realize that if all your loans are federal loans you WILL make one payment, even if you have 8 or 9 loans (like I did) you still send in one payment and they automatically distribute your payments in the appropriate amounts to each loan.





If you look on your credit record after graduating all 8 or 9 federal loans will be listed. If you consolidate, you will have an additional loan listed on your credit record.
Reply:A really good one is,


http://www.yuckz.com/studentloan





And so far it's not blocked at school or work =)