<prompt> Human: The school I want to attend requires you to budget 20k to 30k for tuition and expenses. Im looking for information about the best way to do this through personal loans. Its my understanding that the interest rate is much higher for personal loans than a student loan and financial aid. I used to have good credit, 730, but in the past couple years my ex racked up my credit cards and my score dropped to its lowest of 590 in November. Ive been working hard to build it back up, now Im at 641. My total balances are still about 7k, which is 55 of my available credit.Im wondering if I should keep working to build my credit back up and clear my balances before I start thinking about personal loans of this size. What else can I do to help? Any suggestions are much appreciated!  <response>: Looking into a school that doesnt offer financial aid. Need advice!Advice: private schools with high fees and no financial aid are scams. 