Make sure you read lender reviews and choose a reputable lender.

Also, keep in mind that a lower credit score might result in higher interest rates.

A credit union might have personal loans designed specifically for borrowers with poor credit.

A credit union’s loan officers also often have more say in the underwriting process, so you can make your case to a human instead of getting an immediate rejection from a computer algorithm.

They will look at your credit score, but they also consider your application based on criteria such as your education and employment history.

If you’re struggling with student debts, you’ll want to consider other options as well.

Lenders have different credit requirements and many are willing to consider lending to those with bad credit.

With some searching, you can find a debt consolidation loan for bad credit.

Student loans are much harder to get rid of than other debts and aren’t dischargeable in bankruptcy.

For lenders, this makes student loans a less risky form of debt.

Avant, for example, offers unsecured personal loans for borrowers with credit scores as low as 580.