u/Heaven_82

My husband and I recently went through chapter 13 bankruptcy. My kid is graduating this year and looking at colleges. it will be decision time soon. He is looking at needing a loan for around 8k a semester (after fafsa, grants, scholarships etc). That is for room, meal plan, books, etc as he has 100k scholarships to attend a private school.

I have no idea how he will qualify for a private student loan. Im assuming my husband and I wont qualify as cosigners. Im a wreck over this stuff and do not know the first thing about college loans.

Has anyone gone through a situation like this? Do you always need a cosigner? I dont even know who to talk to...the school? my lawyer? a bank??

My husband and I recently went through chapter 13 bankruptcy. We were drowning and went from 70k in debt to (having to pay over 3 years) 30k. I really do not believe we could have kept going otherwise. My kid is graduating this year and looking at colleges. it will be decision time soon. He is looking at needing a loan for around 8k a semester (after fafsa, grants, scholarships etc). That is for room, meal plan, books, etc as he has 100k scholarships to attend a private school.

I have no idea how he will qualify for a private student loan. Im assuming my husband and I wont qualify as cosigners. Im a wreck over this stuff and do not know the first thing about college loans.

Has anyone gone through a situation like this? Do you always need a cosigner? I dont even know who to talk to...the school? my lawyer? a bank??