To get a student loan without a credit check, fill out and submit the Free Application for Federal Student Aid, advises CollegeScholarships.org. Some specialized groups also offer loans for students in certain fields of study.
Students who turn in the FAFSA become eligible for one of two types of loan programs subsidized by the federal government that do not require credit checks, explains CollegeScholarships.org. Direct subsidized loans go to undergraduates who show the greatest financial need. The U.S. Department of Education pays the interest on the loans as long as students enroll in classes or are in a deferment period. Both undergraduate and graduate students qualify for subsidized loans, regardless of their financial need. Paying the interest on the loan is the responsibility of the student at all times.
Groups and organizations in a diverse range of fields offer scholarships and loans to students studying in these fields, notes CollegeScholarships.org. Certain sections of the federal government do as well; for example, nurses can qualify for no-credit-check loans from the Health Resources and Services Administration.
The Perkins Loan Program, a main source for student loans that did not require credit checks, expired in September 2015, according to Inside Higher Ed. The loans were for undergraduates and graduate students with the greatest financial hardships. Students received aid on a first-come, first-served basis, so submitting a FAFSA as early as possible was critical.