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You May Also Like A: There are basically two types of student loans you can apply for. These fall in the category of federal student loans and private student loans. Private Banks will demand a cosigner, a good credit score, and will even conduct a thorough financial background check. On the other hand, you can try your luck at federal student loan options. These loans are need based and require no credit score. But having a default status on your previous loans will seriously limit your chances of getting more loans. Receiving the money from your loan is easy- it is deposited right into your bank account. Easy qualifications

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