I am a college junior who needs a loan. My parents have been helping me all they can but can no longer put money towards my education. My dad has become ill and all financial resources must go to his care. I have not been able to get a traditional loan due to not having any credit. I need this loan to finish my degree in Special Education. I live off campus with 2 other students. We are lucky in that one of my roommates' parents takes of our rent and utilities. We must put $250 towards that and the rest they take care of. I have no bills. I am fortunate that my car is paid in full and I have no credit cards. I can easily get a letter of reference from my roommate's father as to never being late paying my portion of the rent, utilities, etc. I want to get this loan so I can finish my degree and at the same time start building my own credit. I work nights and weekends for Berry Company, which is a company that produces phone books for the area. I have had the same job for 3 years now and my income is about $20,000 a year. My paycheck is direct deposited so paying back this loan would not be a problem. Please help me in finishing my degree. Thank you!