Student loans for citizen with bad credit - do they exist? The retort is yes. In fact, if you are seeing for a loan to pay for your college and you don't have good credit, there is a perfect loan out there for you. This loan is called the federal loan for students.
Federal loans, which include the Perkins loan and the Stafford loan, need no credit check or cosigner. These loans not only don't need credit checks but the they offer some of the bottom interest rates in the business. You will never get a good interest rate with poor credit than that of a federal student loan.
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Poor credit affects your capability to get loans and it also affects how much interest you end up paying on a loan. Fortunately with federal loans, the issue of credit becomes a non issue.
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