My school decided that I didn't qualify for student aid this semester because last year I fucked up too badly. Alright, I figured, I can get a loan for this semester, and then get back on student aid next semester when I have stopped having a fucked up career at the school.
I was looking at Wells-Fargo, because they offer student loans that don't have to go through the school and also don't need to start being paid until after I'm out of school. But they need a cosigner.
My parents recently informed me (today) that if I don't get a job at school before school starts, they won't cosign a loan with me.
Now I'm trying to find a job that I can maintain, but finding part-time (10-20 hour jobs) that only have evening/weekend hours is proving to a be a real bitch. I've been looking for the past two weeks.
If I don't go to school this semester, then my loans will see that I'm not in school, and they'll come due. I'll need to get a full time job and start working to pay them off. I'll be out of school for at least a solid year while I work to pay off the ~$14000 of loans I have for last year. I'll no longer be covered by my parents' insurance, so that'll be an issue, too.
So, I'll keep looking for a job, but if nothing comes up ... does anyone know where I can find someone that will give me a reasonable student loan that won't require payments until after I'm done with school?
I'm unemployed currently (obviously.) My credit history is probably pretty nondescript. I had a credit card in my name that I got through my parents (and whoever issued them the card, I guess) that I used to pay for my first two years of school at a community technical college ($8000 for two years) that I never missed a payment on and paid off in full (I was working here in Milwaukee while I was going to school in Milwaukee, and spent all of my money on paying off school bills.) So I'd think whatever credit history I have isn't bad
, even if it's not good.
Uhm, tl;dr: my parents would rather i drop out of school than cosign a loan and help me out until i can find a job. where can i find a loan that doesn't require a cosigner and will let me wait until i'm out of school to start making payments?
fake edit: also i have no idea why my parents won't cosign for a loan with me because i have given them no sign that i would be unwilling/unable to help them pay for it once i was out of school. it is my intention to find employment as soon as i graduate.