You have to understand that if you decide to get 
a loan with bad credit you will have to make sure that you fulfill the 
requirements of your lender. Very often lenders 
claim better interest rates, when in fact; the other fees they charge may be higher than that of their competitor.
Unless you are in the top two percent of the wealthiest members of the population, 
you will probably need a personal loan in order to achieve educational and personal goals.