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Undergraduates will have no problem getting a federal student loan with bad or no credit, but it’s a different story for graduate and parent borrowers.
How undergrads can get a federal loan with bad credit
College undergrads can get a federal student loan no matter what their credit history looks like — even if they don’t have any credit history at all. As long as their school participates in Title IV federal student aid funding, they can get a loan.