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Self Certification Loans: Helping to Pay for Education

Oct 22, 2007
Did you know that one of the best ways you can create a secure future for yourself is through furthering your educational credentials? And self certification loans can be the perfect answer for anyone looking to pay for education, even if they are non traditional students. Beyond a shadow of a doubt, self cert loans are ideal for persons in the following positions:

The Self Employed Individual

Are you a man or woman who works for him- or herself and wants to build credentials through higher education courses, classes, or degrees? Have you been working out of your home and filing your own tax returns without the benefit of pay stubs from a third party? If so, youre definitely a perfect candidate for self certification loans.

With self certification loans, you can return to school or even go for the first time and never allow the worry of rising tuition costs to stop you from achieving your dreams. Though you may be asked to present bank statements from the past few months to prove that you do, indeed, make some amount of money, youll basically be on the honour system and will be given self certification loans based on what you state you earn.

The Self Employed Parent

Are you the parent of a teen child or young adult who wants to or will be attending college or university soon? If so, you may want to help out with payments so your son or daughter isnt financially burdened. Of course, you dont have to pay for the whole thing theres nothing wrong with having him or her take out a loan for him- or herself, too

However, if youre self-employed, you may wonder if youll be able to borrow money due to your lack of pay stubs or third party verification that having an employer provides to the financial institution. Thanks to self certification loans, you absolutely can Though your interest rates might be higher than the national average, its still better than having your child miss out on a degree simply because funds are tight.

The Back-to-School Divorcee

Are you a former at-home parent who recently went through a difficult divorce or separation that has left you without any property assets but with alimony payments or a well-stocked bank account, but with a desire to go back to school? If so, self certification loans are designed just for you and people in your situation.

Through savings and checking account statements, you can prove to the bank or financial institution that you are receiving a certain amount of money every month thus, the lending institution will realize that you can make the repayments for self certification loans and will see you as less of a credit risk.

Yes, your interest rates will be higher-than-usual, but in a few years, youll be able to get a good job as a result of your degree, and youll then probably be able to pay off any existing principle on your self certification loans quickly.
About the Author
James Copper is a writer for http://www.wise-loans.co.uk where you could find out about self certification loans
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