Quote from nrskarenrn
what you've been told is correct:
because of student loan default and subsequent wage garnishment, you are unable to get any government loans....not many people are aware of this fact.
facing loan default
aying for school special
you may be eligible for private loans, but expect higher rate as credit risk. it may be more prudent to wait to payback defaulted loan. if you can scrape together enough money to make one extra payment every 3-4 months, then monies repaid more quickly (easier said than done).
more ideas here: hospital pay for you to become a nurse?
i can second this, and speaking as a former lending professional, a default, government student loan will negatively effect your future ability to borrower more than a bankruptcy ever will, and will last until it's paid off.
the only way you can go for free, but you'll still need to pay for books and uniforms, etc out of pocket, is to find a hospital affiliation with a particular school where you sign a contract each semester and they waive the tuition, and you agree to work for them x number of years.
you can do private loans, as stated above, but the rates that i have seen on this board are through the roof, and when you add that kind of risk, they'll ding you so much in the rate, a credit card might be cheaper.