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A: In these conditions the best option you have is to apply for Federal aid, since this is the only source that is least bothered by you bad credit history and the lack of a co-signer for your student loan. It is important that you first consume all your sources of federal loans and grants and only approach the private student lenders when there is no other option left. What are different types of title loans? Wells Fargo Bad Credit Personal Installment Loans