How do I get cash for university without loans? May I get a education loan without any credit? Should you not have a credit rating, an undergraduate federal education loan can be your most suitable choice. Federal loans aren't approved predicated on credit ratings but instead make use of the FAFSA to compare your revenue and parents’ or guardians’ income and the expense of the tuition to find out eligibility. These loans likewise have the flexibility that is most with payment, and this can be essential in the event that you continue to have a problem with developing credit. Acquiring.