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A: Students with a bad credit score or cosigners should not lose hope when it comes to seeking loans. There are a number of federal loan programs that are specifically designed for such students. These loans are need based and are very easy to apply for. The Perkins loan, Stafford loan, and graduate PLUS loans are primary federal loan programs. [link widoczny dla zalogowanych] Those looking for a fast option in obtaining cash on the same day need look no further. Fill out the application form completely