Helpppp!!!!!!!!!

[DRdelgado]

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Okay umm.... i am going to college to study to be a pharmacist and I got offered a parent plus loan, but in order to get that loan my parents have to get a credit check, and all of their lives they got gyped for everything and were never ever told due dates or were told wrong due dates. They were taken advantage of because they are deaf. I dont like to make excuses but i had to say it. So therefore my parents do not have the best credit at all. So what do i do? Is there any other loan that i could apply for or how do i get more financial help? No loans is preferable. But its okay.

 

[lucky lady]

Okay umm.... i am going to college to study to be a pharmacist and I got offered a parent plus loan, but in order to get that loan my parents have to get a credit check, and all of their lives they got gyped for everything and were never ever told due dates or were told wrong due dates. They were taken advantage of because they are deaf. I dont like to make excuses but i had to say it. So therefore my parents do not have the best credit at all. So what do i do? Is there any other loan that i could apply for or how do i get more financial help? No loans is preferable. But its okay.

Have you tried Stafford loans.. Student Grad Plus no need for your parents

 

[AMDFAO]

I take it from your post you are undergrad and thus your parents would be offered a Parent PLUS loan to help cover the cost of your education. If your parent is denied, you may be eligible to borrow an additional amount in an unsub loan (not sure which year you are but senior limit is $5500 and if a parent is denied, you may borrow an additional $5500). I'm not sure this will cover the amount you are short. If not, read on:
Have you spoken to your FA Office about this? I would start there. If your parents credit is a mess due to such an unusual circumstance, perhaps you should speak to the lender on their behalf and request an appeal of the denial? Your FA person at your school should be able to help facilitate the discussion on your behalf. Definitely start there first and don't worry about it sounding like an "excuse" since I don't know of any other student in your situation. You might also ask to appeal your original award to see if they can help with funding that isn't dependent upon your parents (or a piece of it).
I'm not sure why kids with really unsual circumstances never want to disclose this stuff. I usually get the "our car payment is $600" stuff from parents and have to drag out of a kid that they have a totally dependent, mentally ******ed sibling their parents will support until they no longer are around. Mind boggling... Definitely speak to your FA person.