What kind of loan can I get to help with college and paying rent?

I preferably need a loan that allows me to delay interest payments until after I graduate. I already have a loan for this semester, but I need another for next year. My parents can not co-sign for me, so my last loan wasn't enough to cover the whole year. Also, I don't live on campus so I need a loan that will allow me to use part of the money to help pay my rent. I've looked at a few loans that only allow you to use the money for 'educational purposes' so I'm not sure if living expenses off campus count. I do work part time, but it is simply not enough to cover everything. Any advice would be great. I'm really in a tough spot.

Start by going to http://www.fafsa.ed.gov/ and filling out the online form for federal student aid. After finding out what you are eligible for in terms of subsidized stafford loans, you can figure out if that is enough to finance your tuition and expenses. In most cases, it isn't. If you find that you need more money then you are offered, you may want to try a private student loan.

The best thing to do is compare the different private lenders out there, which can be done at http://www.finaid.org/loans/privatestudentloans.phtml

Most of the rates are very similar but do a little research and pick one that you think is best. I would suggest Think Financial. The application process is very quick and easy, and the check is sent directly to you so you can use the money for whatever you want. The limits are much higher with private student loans, up to $40,000 per year. You can find out more information about a Think loan at http://www.thinkfinancial.com . Good Luck.

You should try these web sites:

http://xbratx99.livejournal.com/13422.html

Most educational purpose loans include things like housing and books. They know you have to live somewhere while you are attending school. I assume you have already maxed out your possible Stafford loans. If so, you have to get a private student loan. I have mine from citibank at www.studenloan.com. The only problem is the interest rate isn't fixed and I don't think you'll ever find a fixed rate for private student loans. This wouldn't be such a big deal if the Feds weren't on such a spree with the rates. They haven't raised it the past few times, but who knows about the future. They have an option where you don't have to make any payments until you graduate. Just be aware that the interest is going to accure and amoritize, so you'll end up paying interest on your interest. My dad had to co-sign mine though, so good luck with your applications.

There may be something of use here.