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Loans available for bad credit ******* Alternative Financing With Bad Credit Student Loans Proven Strategies for Improving Your Credit and Getting the Money You Need Whether you like it or not, your credit history takes center stage when it’s time to plan your financial aid strategy. If you are a high school student, this may be the first time you’ve had to consider the importance of having good credit. Understanding credit fundamentals helps you determine your best options for getting much-needed financial-aid, so let’s examine the basics. Every credit related interaction you engage in has an outcome that affects your “credit rating”. If you borrow money and pay it back on schedule, your rating will be the better for it. If you have even one late payment, a negative entry serves to lower your rating. Your “credit score” is the summation of all the credit outcomes you have created over the course of your borrowing history. Credit “bureaus” are tasked with assigning numbers, ...