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The Bad: [link widoczny dla zalogowanych] Even with these protections, payday loans can be costly, especially if you roll-over the loan. You instead may be able to obtain financial assistance from military aid societies, such as the Army Emergency Relief, Navy and Marine Corps Relief Society, Air Force Aid Society, or Coast Guard Mutual Aid. You may be able to borrow from families or friends, or get an advance on your paycheck from your employer. If you still need credit, loans from a credit union, bank, or a small loan company may offer you lower rates and costs. They may have special offers for military applicants, and may help you start a savings account. A cash advance on your credit card may be possible, but it could be costly. Find out the terms for any credit before you sign. You may request free legal advice about a credit application from a service legal assistance office, or financial counseling from a consumer credit counselor, including about deferring your payments. A: For private loans, if you have a good credit record, then you do not need to have a cosigner. To avail federal loans, a student only has to fill the FAFSA form that is available online. These loans are given to students considering their academic performance or on financial need basis. It is always advised to apply for them first, before opting for private loans.