There are actually some student loans that are not based on credit. Federal student loans can be gotten by almost anyone that needs one. You just need to fill out a FAFSA form and apply for a federal Perkins loan or Stafford loan. These loans also have very reasonable interest rates.

There are many private lenders that offer student loans to almost anyone, but you will be paying a higher interest rate on these loans. Cosigners are also another option for getting a loan. Many lenders will lend with a cosigner. Some of these lenders will drop the cosigner after a certain number of on-timer payments are made.

Grants are another option for getting money for school. Many education grants are need based, but not all of them. Grants can be based on many things. It is best to get a list of grants and see what is available. Most grant lists are free, but you may have to pay a small shipping fee. Education can be quite unique and may give you a resource you had not considered.

One of the best options for free tuition money is tuition reimbursement through an employer. Many people get degrees with this method. A large number of employers offer reimbursement on tuition as a benefit. Now this means you have to come up with the money for the first quarter through another option or you will have to attend a school that allows you to defer your tuition until you receive your reimbursement check. You usually get about $5,000 per years as a full time employee. It must also be understood that most employers will require you to work for them for up to 2 years after you graduate. This method allows a large number of people to get a college degree without a loan. Without a loan, the status of your credit is not important.

There are more options for students with bad credit than one might think. You just have to know where to look. Bad credit student loans are available, but you may need a cosigner or get a federal student loan. Do not let lack of money keep you from getting an education. You do have choices.