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Ns Loans, and other non-credit based government loans, Pell Grants and other types of scholarships and grants. Stafford Loans The federal Stafford Loan comes in two types - subsidized and unsubsidized. Both of these are relevant to all students, even those with bad credit or no credit. The truth is, credit doesn't matter with the Stafford loan. The subsidized Stafford Loan is completely awarded based on the economic needs of the borrowing student. And the government pays the accruing interest on the loan. The unsubsidized Stafford Loan is available to every student, regardless of need. However, if you are depending solely on the Stafford Loan because of your credit, the loan awards are often meager. This is why so many college students carry multiple student loans, some of them credit-based alternative loans - so they can cover the costs of auxiliary college expenses. And this is where future credit problems often begin to germinate. Another advantage to the Stafford Loan is that you can reapply every school year. Perkins Loans The federal Perkins Loan is another government subsidized student loan that does not require a credit check. Perkins loans are available for both undergraduate and graduate students. Typical loan awards are between $1,000 and $4,000 for each school year, not to exceed $20,000 total. Alternative Non-Credit Based Loans If you are lucky enough to be pursuing a degree in one of the health science fields, such as medicine or nursing, there are student loans specifically designed for health science students: Loans for Disadvantaged Students Nursing Student

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