When you are looking for low interest college loans the question then revolves around the kind of financing you are in search of, and if you are looking for low interest college loans that don't require a cosigner then you must be aware of your situation in terms of scholarships, and grants, as well as federal and private aid. The majority of the college aid that is out there doesn't require a cosigner, so if you have bad credit or no credit you can still get a good amount of college financing even though you may be going through a difficult time with your credit.
You essentially have to make a choice on how you are going to apply for such student aid-you can either apply on your own to private lenders that may offer some of the student loans that you have been looking for, or you can fill out a FAFSA and send it in on time so that you can make yourself eligible for the assortment of federal aid and grants that don't require a cosigner at all. Just because you filled out a FAFSA doesn't mean that you cannot still find aid on your own, and you will actually have the option of denying some of your award if you would rather get the aid you need on your own. Most people don't deny any of their award package though, and once your school sends you your award you should accept all of the scholarships, grants, and federal aid that may be in your package to ensure that you do receive the best college loans at the lowest possible interest rates.
The aid that will come in your package will come with very low interest rates compared to national averages, and these kinds of college loans will typically not require a cosigner and are rather based on need. If you still need more financing after you have received your award then you need to find what are called private college loans and these kinds of loans will be based on your credit so you will need a cosigner to get approved in most cases. If you are a non-traditional student and you have been working and have an established credit history then you could still get approved if your credit score is good so apply and see what happens. You'll most likely get a fast approval, and in doing so you should come out the other end with the money you need to attend college.
