Whatever you do...don't apply for a Sallie Mae loan! They are horrible! I've been turned down twice with 2 co-signers who have great credit and well paying jobs. One of the co-signer's was approved for a Sallie Mae loan last year and they turned him down this year. They also make you pay interest while in school. I'm applying for loans just to pay for my Sallie Mae interest (while in school). They have REALLY tightened up banking. Great for us dedicated older adults looking to go back to school. Thanks Sallie Mae for destroying nursing careers!