<prompt> Human: I am in my freshman year of college and i just started in August.I dont have a cosigner and no credit.Is my situation as hopeless as it feels or is there a way for me to get student loans even if theyre private loans?I tried Sallie mae with a cosigner and they wouldnt take me.Please I need help urgently.  <response>: You cant borrow your way out of debt. Transfer to a community college. Theyre typically extremely inexpensive for state residents. 