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Q: To find student loans without cosigner requirements, should I search online, or visit my schools financial aid office? Some red flags can tip you off to scam artistsâ tricks. For example: That represents a whopping 140% interest over the 8 terms! In terms of APR, this ends up equating to about 455%. Yowza! Compared to other forms of short-term borrowing, that is abominably high. Even a credit card with insanely high interest rates has an APR of no more than 40%. This chart (w/ data from the CFA) shows expected interest rates for four types of short-term loans: Step 2: Review Your Loan Approvals
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