Answer: -Apply at http://www.fafsa.ed.gov. Any loans you qualify for (federal aid, NOT private loans) will be need-based, not credit-based. The only reason you will be denied them is if you are in default on a prior student loan. -Depends... First off, file the FAFSA form then go through your colleges preferred lenders list and see what they can do. Traditional student loans (i.e., the Stafford loan program) are not based on your credit history, so generally, yes, you can get a student loan with bad credit. In fact, getting a student loan may help improve your credit to a small extent.Having said that... there is a bigger question to ask and answer: WHY do you have bad credit? Before you get yourself further in debt with student loans, I would suggest looking at yourself and your spending habits very closely, and figure out what you are doing wrong that led to your having bad credit. Pay off those debts that you can, and improve your credit. Get in the habit of owing only what you can afford to owe, and paying your debts on time. Already having bad debt means you likely already have some bad money habits that will need to improve, as your student loan debt will be much harder to handle later on than the debt you have now.Put yourself on a budget, pay off your debt, and get into some good money habits. Then go for the student loan.