Does anyone know of someone who had a "low" credit score (below 675 ?) and got approved for a private loan for medical school? It will be another 1-2 years before I apply for such a loan, but my credit score may not be that high by then. Fortunately, the derogatory items on my credit report are 3-4 years old, and have been paid in full, have zero balances, but it still is bringing down my FICO score. Are there lenders who will give you a second look since your balances are all zero? I don't have a cosigner, so I hope there's a way!