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[link widoczny dla zalogowanych]

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A: Getting a private loan with a bad credit and no cosigner is a tough situation to be in. Still you may be able to seek loans but will have to deal with high interest rates or other stringent conditions. You can also apply for federal loans, which are very popular nowadays. federal loans have a low interest rate and demand no cosigners or credit checks. [link widoczny dla zalogowanych] Another big question is where to keep your emergency fund . A savings account is the best option because it is cheap and allows you to withdraw cash quickly and without hassle. As you accumulate more savings, you can consider an account which brings higher interest so that you can make extra money. Other options include certificates of deposit and money market accounts. The former are quite secure, but there are penalties for withdrawals while the latter give you the opportunity to earn more but at a higher risk of loss.
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