I'm 30 yrs old, I recently quit my job, moved home, and I want to go to school. I don't really have any credit, I've always worked and paid my bills which is probably why I also don't have any debt either. Sallie Mae has denied me three times for a loan, twice with cosigners. After the horror stories I've seen here, what do I do about getting a fair and decent student loan? Please respond I really don't know what to do and I don't have much time.