You should go ahead and fill out a FAFSA form for the school you want to go to. As far as I know, student loans aren't that dependent on credit - they are guaranteed by the government instead of by you. I had horrible credit and was still able to take out student loans. The default on your previous student loans is probably the biggest hurdle for you to overcome. You should run a credit report and find out what is going on. Then go in and talk to a financial aid person at the school that you are planning to attend. Don't give up hope! Student loan companies are definitely more forgiving than other credit agencies.
You should still try to get federal student loans because for some of them it's okay if you have bad credit.
Here are the steps you need to take:
1) Fill out the FAFSA. This will determine if you are eligible for financial aid. Go here:
2) Once you are eligible for aid, choose a government-based student loan. The best loan to get is a Federal Perkins Loan. These have low interest rates and the government will help you pay it back as long as you stay enrolled in school. You also don't need a cosigner or good credit for it. For more info go here:
3) The next best loan to get is a Subsidized Stafford Loan. This has many of the same benefits as a Perkins Loan. Learn more here:
Also, have you tried to get any grants or scholarships? These are basically free money that you don't need to pay back. Check out these sites:
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