Many adults these days are returning to college and want to get a student loan, but they have bad credit. This is a vicious cycle, with one thing perpetuating another. First, these folks never started and/or finished college, so they were stuck with a low-paying job that required them to take out loans just to get by. Then, of course, they couldn't keep up with their loans because of their low wages, resulting in a poor credit scores. The good news for these folks is that student loans use different criteria than most loans and this works to their advantage.
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