private loan (or alternative education) require a good / very good credit rating. You can use a credit worthy co-signer lined up just in case.
Terms and conditions vary by lender. Most payments will begin six months after leaving school. They are no payments until six months after leaving school.
What you should do is really the eighth rate. The better your / your credit card co-signer, the higher your interest rate should be.
Like everything else in life, some people have good / bad experiences with the business courses. It’s almost like a meeting of shit. I nodded with WF about 20 years and never had a problem with them. Other people hate it.
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