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Does Bad Credit Affect Student Loans & Financial Aid

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Bad credit can affect student financial aid and loans in surprising and opposing ways – depending on where you obtain the funding help.

The federal government operates using a progressive ideology. Government-sponsored finance is needs-based. Therefore, people with bad credit are more likely to qualify for student financial aid and loans with guaranteed approval, without a cosigner.

Private lenders operate under a free market model. Therefore, people with bad credit often need a cosigner in order to take out a private student loan to fund the full cost of college attendance.

Parents with bad credit find more sublte differences between federal and private funding sources.

Having a bad credit score does not directly affect student financial aid – the amount you receive in needs-based scholarships, grants, and work-study programs. The Free Application for Federal Student Aid (FAFSA) form does not check your credit report or rating.

However, college funding may be the one place where having a poor credit score can be a good thing. Many of the factors leading to a low rating also translate into greater levels of needs-based financial aid. Since you do not have to repay scholarships and grants, performing poorly on any of these two main credit rating factors can really pay off!

The federal government and many colleges determine the amount of financial need based upon a formula. Your expected family contribution (EFC) determines your eligibility for grants and scholarships, which reduce your cost of higher education.

  1. The projected cost of attendance
  2. Minus your expected family contribution
  3. Equals your financial need

A history of late payments often leads to a bad credit score, but will not directly affect FAFSA or your eligibility for financial aid programs. The FAFSA form does not run a credit check to determine if you pay your bills on time, but it does ask about income – which indirectly influences your credit rating.

Households with lower and/or inconsistent incomes are more likely to have a history of late payments on their consumer report. People borrow money expecting to repay the obligation from future earnings.

  • Income drops lead to late payments. Bouts of unemployment or disability are crippling.
  • Debt-to-income ratios rise when earnings drop, making it difficult to stay current.

FAFSA form questions 36 – 45 address student income, and questions 80 – 89 address parents’ income. People from low-income household tend to have:

  • Lower expected family contribution
  • Higher financial need
  • More financial aid

A large amount owed can lead to a poor credit score, and can directly help your eligibility for financial aid. While FAFSA does not pull a copy of your credit report, it does ask for very detailed information about net worth. You calculate net worth by subtracting debts from assets.

FAFSA form questions 90 – 92 deal with your parents’ net worth. Someone with a lower net worth tends to have:

  • Lower expected family contribution
  • Higher financial need
  • More financial aid

Having bad credit often affects your ability to qualify for a student loan program. Since you must repay the money in full with interest, you are more likely to feel the negative consequences – except when the government exerts its progressive ideology.

Therefore, expect to find radically different consequences between federal and private student loans – in all cases but one. Do not expect any special considerations for nursing degrees, single mothers, emergency needs, living expenses, consolidations, or private and public universities.

This premise holds true if you are looking for guaranteed approvals and options with and without cosigners. Parents with bad credit have fewer alternatives.

Any parents with bad credit will find it very difficult to obtain either a federal or a private student loan to help their child attend college. If you fall into this category, return to the top of this page – as financial aid is perhaps more viable.

Federal Parent Loans for Undergraduate Students (PLUS) offer a single fixed rate for all accepted applicants. Parents can borrow up to the full amount of the estimated cost of attendance. However, parents with an adverse credit history may not meet the requirements if they cannot compensate in one of these two ways.

  1. Find an endorser without an adverse history
  2. Satisfactorily document extenuating circumstances

Parents with bad credit can also apply for a private student loan. The approval criteria may be slightly different at each company. If accepted, expect the private lender to charge a higher interest rate to compensate for their increased exposure.

For example, as of January of 2017, the Sallie Mae parent loan offered two sets of interest rate ranges. Parents with the best qualifications obtain the lowest rates, and those with the poorest credentials pay the highest rates.

  • Variable interest rate: 4% to 10%
  • Fixed interest rate: 6% to 13%

Bad credit student loans with guaranteed approval are available through the federal government for the person attending college – not parents. They make lending decisions based on information found on FAFSA form – which does not include credit report information on the application.

Three different federal student loans do not involve a credit check.

  1. Direct subsidized loans
  2. Direct unsubsidized loans
  3. Perkins loans

There is one big drawback to the federally guaranteed approval. You cannot borrow the full cost of college attendance. There are yearly and total borrowing limits. Private lenders will not offer guaranteed acceptance student loans. If you have bad credit and face a funding gap, scroll back to the top of the page to review the financial aid considerations.

Stick with the federal government if you are looking to obtain a bad credit student loan without a cosigner. In addition to guaranteeing approval with no credit check, this option also does not require another person to endorse the application.

Once again, the federal alternative does not allow you to borrow up to the full cost of college attendance. Obtaining a bad credit student loan without a cosigner from a private lender is not realistic. They follow free market principles. Scroll back to the top to review financial aid implications.

Bad credit student loans with cosigners through a private lender are the most viable option to close the funding gap. The federal government will not finance the full cost of college attendance. You must find the money from somewhere if you do not qualify for financial aid, or a company denied your loan application. You may be asking “now what?”

A cosigner with a good credit score and sufficient income and work history can help you gain an acceptance from a private student loan company. The cosigner is responsible for making payments in the event you are unable to. This requirement makes it less risky to the company to approve your application.


Student Loans – Making Higher Education More Affordable

Guaranteed approval private student loansEducation is an absolute necessity to become successful in today’s society, unless you’re lucky or extremely gifted. Because of this necessity, education cost has been on the rise. School can be very expensive and the cost is what often deters people from going or postpones their education indefinitely. This is something that should not prevent you from setting yourself towards your career path. In order to afford a higher education, students are forced into using student loans. Government student loans, private student loans, grants and scholarship are all used to help a student achieve their goals.

There are many student loan opportunities available for all students across the world. In the United States in particular, there are many opportunities for federal student loans. There are even some available for students based on financial need, which means no credit is required. If you need financial assistance for schooling purposes then you should definitely look into federal student loans. If you have bad credit then your choices may seem limited but one route to go would be to apply for a federal guaranteed student loan. This is a very common choice which many students decide on as it provides sufficient financing and easy approval. For the most part though, it is relatively easy to get approved for a federal student loan without a co-signer. The major downfall though is that the financing amounts are limited by semester, year, and lifetime. Also, if you defaulted on a student loan in the past then being approved for one will be incredibly difficult now. Many federal student loans are offered based on the financial need of the student. Very rarely is a student loan actually factored based on the credit standing of the student. If you do not meet the requirements set by your federal government there are still some lenders that offer loans to students that have co-signers. These loans will have reasonable interest rates. However, without the co-signer, a loan for a student through most lenders could be very costly in interest payments.

It may be logical to apply for a private student loan. There are some guaranteed private student loans available. To qualify for these you will essentially need a co-signer. A guaranteed loan features a third party that will assume all responsibility for repaying the loan in the event of a default by the borrower. If you can find someone that will co-sign the private student loan then you may want to start looking into them. The interest rate with a private student loan will typically be higher than a federal student loan but you will be able to get financed for a larger amount. If you go the route of the private student loan it is suggested that you borrow the maximum through a federal program and get the rest privately as it minimizes the financial loss from interest payments.

Bad Credit Student Loans

Many people believe that it is nearly impossible to receive any type of financing if you have bad credit. Many students even end up running up debt through credit cards to help pay their expenses while in school. Some students even drop out of college or University because of the devastating costs that they incur while attending school. However, it is important to know that there are many student loan opportunities available for everyone, even those with a bad credit rating. If you have bad credit then it is recommended that you apply for as many student loans as possible. Obtain the financial aid application and fill it out, and then send it in before any set due date that there may be for financing. It is recommended that you obtain a Free Application for Student Aid (FAFSA) form so you can apply for numerous types of student loans, federal grants, and more.

After you apply for student loans with bad credit you will receive information on the student loans that you qualify for. There may also be some grants, bursaries, etc, that are available for you as well. The information that you receive on the qualified student loans will provide you with details on the amount that you can receive, repayment terms, and more. The amount that you are approved for with the student loan will depend on the particular program, your income (and family’s income if dependent student), the school and course you will be enrolled in, and more.

Fixed Rate vs. Varying Rate

Varying rate (commonly referred to as variable rate) student loans may be beneficial. The main appeal of them is that there is the possibility of the interest rate decreasing. If this occurs then the individual will be paying back less with this type of student loan than what a fixed rate borrower would be paying back. This can go both ways though and a varying rate borrower may end up paying more than a fixed rate borrower. The fixed rate student loan is the better choice between fixed rate and varying rate if you do not want the risk of an increase in student loan interest rates. This type of student loan is more common anyway, so it is usually not necessary to strongly consider a varying rate student loan.

Student Loan Consolidation

The majority of students who attend higher learning institutions say they experience debt as a result of student loans. Consolidation is an excellent way of combining multiple loans into easy to manage single loans through one institution or lender. This allows the reduction of multiple payments with various interest rates. Those who wish to make their student loan payments easier to manage may find that comparing student loan consolidation rates is a smart strategy.

Consolidating student loans ensures that instead of making multiple payments you can make one payment which helps to manage debt and can be a vital tool used to reduce payments. The ability to consolidate your loans and pay one monthly payment instead of monthly payments can help make debt manageable, convenient and affordable. Some find that once they lock in their new student loan consolidation rates they can save up to 20% or more. Student loan consolidation rates are an excellent way to lower your payments and reduce your debt.

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