<prompt> Human: This fall Im going to Ohio State. I received 8000 a year in federal loans and scholarships. Its going to cost me 27000 this year, as an incoming freshman, to attend. My parents cant offer help whatsoever and i will have about 3000 saved up before school starts. So now i have to look at private loans but the issue is I have no credit history, my parents have a VERY bad credit score, and they HIGHLY doubt a relative or someone would cosign with me. Are there loan options without a cosigner or should i still have my parents cosign with their bad credit score?  <response>: You may need to look into plan B here. You are 17,000 short for the first year alone, with no reasonable prospect to get that. 