I need help in finding the best student loan?

The best student loan choices will be Federal subsidized and unsubsidized student loans. They do not require a co-signer for one thing. They will also have the best interest rates and repayment options when it comes time for that.

I will not recommend any undergraduate take out any private loan to pay for her/his college/university expenses. They are just far too costly with high interest, for one thing.

If you have not completed the FAFSA (Free Application for Federal Student Aid - http://www.fafsa.ed.gov/ ) do that soon.

If you have already done that and did not indicate on the form that you would be willing to take out Federal student loans, then you can re-enter your FAFSA with your PIN and change that option. Also, you can telephone the financial aid office of the school you will be attending, talk with a financial aid adviser and tell him/her you wish to change your option to taking out Federal student loans.

++++++

Added:

Please read these articles about student loans in general & private student loans:

US News And World Report – Paying for College – How Much Money Should I Borrow for College?

* http://www.usnews.com/education/best-colleges/payi...

US News and World Report is a well-respected publication.

Forbes Magazine, Dec. 30, 2011, 3 pages long [well-respected US finance/business magazine]

http://www.forbes.com/sites/investopedia/2011/12/3...

Don't Ever Take out a Private Student Loan, by Zac Bissonette, DailyFinance.com, July 4, 2010:

* http://www.dailyfinance.com/2010/07/04/problems-wi...

USA Today [newspaper] Jan. 1, 2012 article

* http://www.usatoday.com/money/perfi/college/story/...

If by private school you mean a private/independent non-profit school, I still won't recommend any source of private student loans. You chose a school that is beyond your budget. If the school did not offer you any school-funded aid (grants or scholarships), then you cannot afford to go there and will need to choose and apply to a less expensive school, soon.

If you absolutely have to attend the school, then don't start there this coming Fall. Do what many other college/univ. students have done for generations and have lived to tell about it - work at a full-time job or several part-time jobs for a full year, living frugally & saving as much of your earnings as possible so you will have the extra money needed beyond financial aid. Reapply to the private school for Fall 2013. Plus, complete/submit the 2013-14 FAFSA early in 2013. Also, look into any scholarships the school may offer and apply for those for which you qualify.

If by private school you mean a for-profit/career/proprietary school, one which is first and foremost a business with the main focus of earning profits for its owners/shareholders, again I will definitely not recommend you take out any private student loans to pay for it. Some for-profit schools are fine. Some are not. They definitely are not worth anyone taking on private student loans. Such schools are all over the landscape like mushrooms. They often advertise a lot on TV during the day and late at night.

CollegeProwler.com often has reviews of all types of colleges/universities by their own students. If the school is a for-profit one, definitely check it out very carefully. Besides reviews by its own students, visit your local public library and ask a reference librarian to help you find more evaluations of the quality and reputation of the school You should also learn about the graduation and retention rates of the for-profit school. The US Dept. of Education College Navigator database is useful for that.

Ask a reference librarian at your public library to help you find these books to check, read, and learn some tips:

Title: Peterson's how to get money for college: financing your future beyond federal aid, 2011

Publisher: Lawrenceville, N.J.: Peterson's, 2010

Updated and published annually

Title: Debt-free U: how I paid for an outstanding college education without loans, scholarships, or mooching off my parents

Author: Zac Bissonnette

Publisher: New York: Portfolio/Penguin, 2010

Title: The College Solution: A Guide for Everyone Looking for the Right School at the Right Price (2nd edition)

Author: Lynn O'Shaughnessy

Publisher: FT Press, 2012

Librarians--Ask Us, We Answer!

Find your local Public Library at:

http://www.publiclibraries.com/

Find your College/University Library at:

http://lists.webjunction.org/libweb/Academic_main....

Best wishes

http://fafsa.gov/

the ONLY no-cosigner-needed student loans are by filling this form out.

If you have already gotten a stafford loan and are STILL short, you can ask your parents to take out a parent PLUS loan for you or find a cheaper school.

if you are under the age of 25, and have no cosigner, and no credit, you are going to be very lucky to find anywhere that will loan you $22,000