Have you been kept from applying for loans because of bad credit history? Do you see your dreams of college being taken from you because of this? Admittedly, it can be a great deal easier for you if you have a good credit rating to get the approval you need- BUT it is not as hard as some might think to get a loan, even with a credit history that is less than ideal.An example? Some don’t consider credit rating as essential a factor as others when approving student loans, such as The Stafford loan. This is a popular US Department of Education loan, and they assume that applicants are leaving high school to go to college, and are young people with no credit history at all. Another example is Perkins loan, who also practices the same method, and they are a federal student loan for the most destitute families.Unless you’ve previously defaulted on a federal student loan, bad credit history doesn’t need to be nearly as helpless as you may have been led to believe! If you have bad credit student loans, but your parents are fine, you might want to consider A PLUS loan, since it is arranged with your parents instead of you. It is put in place for parents who are financially supporting their children through college, and is a viable option for many young adults.Federal funding is also available, tailored to students who have struggled with their credit history in the past. This is definitely worth at least looking into, since the requirements are less rigorous than other lending companies and banks. One more word of advice: if you applied for a federal student loan and were rejected, it’s not the end of the world.Try a private loan. Especially if you are going into a field with high earning potential, like a legal or medical profession, this can be your best choice.