First off, there are many federal student loans available if you are going to school on a full-time basis. Federal student loans are not based upon credit, and therefore do not require that you find a cosigner, or submit to a credit history check. They are instead based upon other things besides the traditional financial indicators, and focus upon factors such as your need for aid, academic performance, and program of study.

Applying for a federal student loan without a cosigner doesn’t have to be a very time consuming process, and typically starts by filling out a FAFSA. FAFSA, or free application for student aid, is the government’s official application that they provide students when they need to apply for federal aid. It is a universal application, and therefore by filling it out on time, and in a complete fashion, you will automatically be making yourself eligible for the vast majority of no cosginer federal student loans that are out there.

Once you have completed your FAFSA, you have essentially finished everything you need to do on your end to maximize your ability to get some of the best federal student loans that are out there. The only thing that is left to do involves waiting for an award letter from your school of choice that should be mailed to you at some point during the Spring. In it will be a detailing of all the federal aid you were preapproved to receive, and now you only need to get back to your school with an acceptance letter that should reveal exactly what aid you are willing to receive.

Before you decide to go ahead with your loan acceptance letter, you should thoroughly consider your other options in regard to financing you college education. This is imperative because it could save you a great deal of money in the long run. Some of the other kinds of aid that don’t revolve around your credit, and other financial indicators include scholarships, grants, and even certain kinds of work-study programs.

Scholarships and grants are great because they can provide you with money that you never have to pay back. The problem with these is that it is fairly difficult to get an approval for a significant amount of money, and you typically need to display some sort of extraordinary circumstances, or abilities to get the best scholarships and grants. If you still need money for school you can contact your university about whatever work-study programs they may have. These can provide you with a good amount of spending money, and they of course don’t involve an approval process that will center around your credit, and other financials. In the end you have a plethora of options if you need to get a student loan without a cosigner, or if you need to get funding for your college education without a cosigner for that matter, just be ready to explore all of these options.

There’s a point in all of this, which is, no matter how you’ve developed an interest in grad school, your application will likely be one of several hundred competing for a spot on the rookie team of first-year students. Lucky for you there is a method to creating an application package that stands out from the competition and earns the stamp of approval from the admissions committee. The key is knowing the tips and strategies to demonstrate that you could be the greatest psychologist ever as a result of their training.

Ask me how I know this. Just a few years ago I was in your shoes. I had done well as a psychology major and knew I wanted to apply to grad school. I had great grades. I did a pretty good job on the GRE. I would be a shoo-in. Wrong. At the time, I knew very little about how to assemble a great application package. I had to apply three different times – each time learning more key information than the last – before I received my first acceptance letter. Same grades, same GRE scores. And I gained admission into one of the top graduate programs in psychology. Even earned a Ph.D. Not too shabby.

Just because I was clueless doesn’t mean that you have to be. In that spirit, I created this website to cover all of the need-to-know information about how to gain admissions to the graduate program of your choice. Way back when, I could only have dreamed of having all of this accessible information at my fingertips, much less someone at the other end of a wireless connection to answer my questions about grad school. (OK so I wasn’t exactly applying for grad school back in the Dark Ages, but you get my drift.) If it is your choice to earn a masters, Psy.D., or Ph.D., there is no reason why you shouldn’t get your very own acceptance letter, as long as you’re armed with the right information.

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