LOANS, LOANS, LOANS!!!!!!!!!?

I am going to start school this upcoming semester. I have a legit credit score of 722. I will need federal as well as maybe a private loan for supply expenses, Would I qualify without a cosigner? I've applied for things before and they always say insufficient history (not enough credit) huh? how is that possible with a score of 722? also if you have advice on loans for college in general lay it on me..thanks!!

How long is your credit history? Your score is not the only thing that counts. A score is generated after 6 months of having something reported to the bureaus, but banks want to see at least a year or two on the report. That is why you get the insufficient history line. Federal loans you can probably get easily. Private loans are a different story. You will need to meet income and credit history requirements, so you will need a co-signer for the private loans (just like a regular loan). They may also look at how many different accounts you have. For example, having only one credit card could also cause you to get the insufficient history line. It goes by whatever that bank's requirements are.