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hassle-free loan processing and quick application approval Does the lender have a physical address for their company? The most popular types ofÂ student loans with no credit checkÂ are federal student loans, namely Stafford and Perkins loans. As these are federal student loans, borrowers must meet certain criteria, including being a U.S. citizen or permanent resident, having a SSN, and filing the FAFSA, among others. The two distinct types of Stafford Loans you can receive are subsidized and unsubsidized loans. Subsidized loans are awarded based on financial need. and are quite desirable, as they have a low interest rate, and the federal government pays the interest accrued on the loan while the student is in school. Unsubsidized Stafford loans also have relatively low interest rates. but the government does not cover the interest while the student is enrolled. Perkins Loans are low interest loans that can only be obtained by students with exceptional financial need, and are also government subsidized while the student is in school.
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