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You must be over 18 One last thing We use an advanced 256-bit SSL encryption while handling your data. All your private information is kept securely in an encrypted format. More details can be found by reading our privacy policy. A: Students who have poor credit record may find it difficult to get loans from private lenders. However, they can apply for federal loans by filling the FAFSA form. The loan may be awarded to them on financial need basis or for their academic performance. Private lenders may require you to have a cosigner who has a good credit score.
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