Question by : Declaring myself independent in FAFSA or finding a student loan program.?
My parents credit is down the hole and I have no idea how to receive a loan for college without have some form of credit check. I heard there was a way to declare myself financially dependent from my parents through FAFSA or some kind of federal loan. However I have no idea where to begin on that process.

Can someone give my direction on where I can do this or give me a link to a loan program that doesn’t require some kind of credit check?

Best answer:

Answer by Top Weasel
Do you file your taxes an independent? If so, you are very likely to receive approval as an independent student. To do so, you will need to file a “Special Circumstances” form with the financial aid office at your school. Being an independent student will allow you to take out higher rates of loans.

If you do not file your taxes as independent, there’s an interesting loophole. If your parents apply for the PLUS loan (federal loan for parents of dependent students) and are rejected, you are eligible for up to $ 5000 in extra federal loans per year.

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