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Loans have a long history as a means for individuals to achieve their goals. However, banks and other traditional lenders rarely make it easy to get a loan. Instead, the process is drawn-out and over-detailed. There are restrictions on use and many people have a hard time even qualifying for consideration. As a means to solve a problem, traditional loans simply fall short. A: To apply for federal loans you do not need a cosigner or a credit record. Federal loans are awarded to students who qualify on merit basis or on financial need basis. To apply for federal loans the process is a simple one. One has to submit the FAFSA form that is easily available online. There have been a few times in my life when I have needed short term loans. I was glad to be able to get one. I know getting a loan isn't always the easiest thing to do. Sometimes they are needed and can really help a person out.
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