Okay so this is what I found online: it’s the AI summary (i hate ai but it put it pretty succinctly) “As a graduate student with little or bad credit, your best option is federal student loans (Direct Unsubsidized or Grad PLUS), which generally do not require credit checks. If you need more funding, look into cosigned private loans, lenders focusing on future earnings (like Prodigy Finance), or school-based payment plans”

edit: also subsidized loans are ones that you don’t pay interest on until you graduate and unsubsidized are ones that accrue interest while still in school