<prompt> Human: I was recently accepted to a program in the UK Im from the U.S. btw and cant seem to get approved for any private student loan. Ive tried Sallie Mae, and it looks like there arent any other companies out there who lend for international schools. I have no other funding sources and my credit is terrible given that Ive defaulted on a student loan in the past. What are my options?  <response>: Nobody is mentioning it, but defaulting on your past student loan is probably holding you back a ton here. I mean think about it: you are asking them to lend you more money for education when, under a lower debt burden, you had previously failed to make your payments. From a lenders perspective, it is a highly risky loan. And the rates on student loans are obscenely low presently given the implied risk thanks to loads of regulations. You probably also have next to no assets, income history, or credit history outside your other loan. I mean maybe you ought to hold off defer maybe? for a bit and work down your student loan debt burden demonstrate you are at least a mildly reliable creditor before trying to get financing again? 