Who can qualify for Stafford Loans? What kind of timeline does it take to get a Stafford Loan? As in, is it much too late to even try to get one for the Summer 2013 semester? Can 5th year seniors qualify? I've never received a dime of financial aid... ever. No federal student loans... ever. No Pell Grants, no Stafford Loans, no private scholarships, no nothing. I've only ever paid for school with *private* student loans, jobs/income, and employer tuition benefits. I'm not looking to be a "super senior" on someone else's dime or anything like that. Really, I'm one class away from that BA. But, with my private student loans in repayment, I can't afford more tuition on top of those large private student loan repayments. Personal loans elsewhere aren't an option, as my private student loans make my debt-to-income ratio bad. I read that Stafford Loans aren't based on credit. Are Stafford loans based on income at all? I've tried self-studying to prove my Spanish proficiency, but I'm still not done. I think it's time I admit that I can't do this on my own and find an online Spanish course to take with a set course schedule/syllabus where I have a guaranteed completion date and a professor to help. (I know, I'm considering another loan with already large private student loans, but I want to finally finish my BA, move up in my career, and be in a better position to repay all of my old private student loans.) I'm one semester --- actually, only one class-- away from a Bachelor's and am wondering if Stafford Loans are even possible at this point. I've never had a Stafford Loan, or ANY other type of financial aid. Unsubsidized or subsidized, no preference. I'll be paying it back either way. Private student loans aren't possible right now- I have tons of debt in private student loans already from my teen years. I have many, many course credits (over 170, if you include credits from AP tests in high school, plus summer school during college). Shameful, I know. I learned my lesson too late. I also have 12+ graduate credit hour. I've paid for recent year's of education in cash, and some of the graduate hours were paid for by a former employer. I pay a huge chunk of change every month in private student loans already. Never received any financial aid, so I haven't wasted anyone's money but my own (in cash and private student loans) for those 170 credit hours. (Some of those hours were from AP tests in high school, some I paid cash for, some I paid with private student loans, etc.) I'm still paying for my past mistakes (educationally and financially), and likely will be for decades. I'm just wondering if Stafford Loans are even an option for me. I've worked extra hours this year and even gotten a raise. Unfortunately, my private student loan payments just went up again and are a huge chunk of change to pay each money. So, my private student loan repayments have wiped out the money I had saved for further education. So, who can get a Stafford Loan? Can you get a Stafford Loan even if you have more than 120 credit hours? Is it possible to get a Stafford Loan for the same year you apply? Am I too late?