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Personal Loan Between friends or family. Student Loan Provided by the federal government or privately in order to pay for academic studies at a college or university.
Step 2 ObtainProvide Your Credit Score. The first step into obtaining a loan is to run a credit check on yourself which can be purchased for 30 from either TransUnion, Equifax, or Experian. A credit score ranges from 330 to 830 with the higher the number representing a lesser risk to the lender in addition to a better interest rate that may be obtained by the borrower.
In 2016, the average credit score in the United States was 687 (source).