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Having several accounts with long histories of timely payment should have a positive influence of your credit rating. [link widoczny dla zalogowanych] All funds carry some level of risk. With mutual funds, you may lose some or all of the money you invest because the securities held by a fund can go down in value. Dividends or interest payments may also change as market conditions change. A: Since you have exhausted all your federal aid options, you can apply for loans at a private banking institution. There are a few banks that are offering loans to students with bad credit scores. But it is important to know that the loan may have a higher rate of interest. You might also have to bring a cosigner when applying for a private student loan.

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