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As defined by the Small Business Administration (SBA) , a small business is any business venture which has less than 500 employees and less than $7 million in annual receipts. In the United States, there are various types of small business loans to satisfy the business plan being presented to the lender. [link widoczny dla zalogowanych] Private student loans for students with bad credit are generally difficult to find. It still may be possible, however, to get a student loan if you apply with a cosigner who has excellent credit. because their good credit may help to offset your bad credit. In addition, some student lenders do not rely solely on the FICO score to make approval, they will look at all of your credit history into consideration when evaluating a potential borrowers loan application. Finally, federal student loans are an example ofÂ student loans that people with bad credit can obtain, as they are awarded on the basis of financial need. It almost goes without saying, but seeking Chapter 7 bankruptcy protection should be a last ditch option to get rid of your payday loans, and this drastic step should only be taken if you have other big financial obligations to get rid of too, like credit card debts or medical bills.