So you're Joe College and you have elected not to pursue federal student financial aid, for any of a number of reasons. That's fine, but what are your other options? You could try to apply for underground student loans, for one thing.
As with most other things, when I am hunting down information, my starting point is all the time the Internet. Do a search online, using any of the major search engines, using the words 'private student loans' and you will turn up at least 50,000 related websites. Keep in mind, however, that not all of these will be pertinent. Typically the first fifty or so websites will be helpful, and fifty different sources of facts is pretty good in anyone's book!
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Now you have searched and turned up a enough number of sources - good for you, a lot of the work has been taken care of...but you still have to sift through the sites. You need to produce a set of criteria when applying for underground student loans.
The requirements for underground student loans are fairly simple. You need to have at least a 27 month history of credit of some sort, whether repayment of a small loan over a period of time or regular payments on a credit card. The main thing to avoid are late payments or a history of running up a large credit card bill as those will reflect negatively on your credit history.
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