<prompt> Human: To elaborate, she was applying for loans between 20K and 30K. I understand that this is much harder to get already as opposed to something more like 4-5K, but she was forced to decline her acceptance to her dream school because nobody would give her a loan. She has A-B grades, and has a 10hour job, so there arent really any other major influences other than my parents credit score being so low. I am wondering if there is anything that I can do to get around that for when I am applying for financial aid about a year from now. I currently do not have a job, but I will likely have one this summer. 16, M, Maine, blah blah. I understand if the only real answer is: Sorry kid but youre kinda fucked. Thanks!  <response>: Was this a private loan? The federal Parent PLUS loan has credit requirements, but my understanding is that theyre extremely lenient. 