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Students might also consider asking people they know for a personal loan.

The people offering the loans are doing so to help out students in need.

Be aware that this type of a loan can be risky, as it is not as secure as a loan from the government or a commercial bank.

Like federal loans, private loans also typically have limits, with most putting an aggregate borrowing maximum of ,000 to 0,000 for undergraduate students.

The limit is the total allowable federal and private student loan debt permitted.

A cosigner agrees to pay your loan if you fail to make timely or regular payments.

This can be a parent, family member or friend with good credit to cosign.Credit cards are usually the starting point for this option.Students from low-income backgrounds studying toward degrees in the health sciences and teaching might be eligible for special financial aid through federal Department of Health and Human Services programs.The terms can be more flexible, and the lender will usually be willing to work with you because he or she knows you.Even in these cases, however, draft a contract detailing the agreement and repayment terms.Most private lenders use your FICO credit score to determine if you qualify for a loan.