Lets say i decided to get FFS and that cost me around $8,000 And i got a loan for that. And then later, perhaps before paying of that loan i got a 16k loan or there abouts for SRS. Including the cost of electrolysis and some laser treatment, and hormones, stuff like living expenses, would it be possible to afford everything on a Mcdonalds sallary? I'm working on my bachlors now and would like to get my masters someday but i just don't know that i'll be able to find a job here in Alabama that will pay much better than that...even with a bachlors, and especially not while i am transitioning...

Will i even be able to get a loan for that kind of stuff? i don't have any credit what so ever now, but i might could get my dad to cosign or something...

An independent student in her junior year can qualify for almost 13k per year in student loans with no credit history. That's a nice supplement to your minimum wage job if you don't spend it on crap. I put my loans into CDs to keep them safe from crises, and sure enough I haven't starved. Just an idea.

There are companies that will grant loans for medical procedures.  But in this economy they will want a great credit rating and a high paying job.  But if Dad has both they just might grant one.


JMHO
Janet

It doesn't really matter what you can borrow.  It only matters what you can afford to repay.

Figure out what your monthly expenditure is - factor in a little slack as a safety net.  Base your borrowing on your remaining disposible income.  Unsecured loans carry a higher rate of interest than secured loans so getting your father to co-sign may help with that (as you're taking advantage of his credit rating).

If you try to borrow beyond your means, you'll end up having a loan that is probably more expensive than it needs to be in terms of interest and will certainly be a long term burden for you.

Either way, I urge you not to borrow more than you can afford to repay so plan and budget accordingly.  Good luck!