Hi, I am in a bit of a difficult situation . Essentially I need to take these courses to graduate . I am taking two courses at two different institutions and transferring them in to my university . I am aware this makes it difficult and complicated . I am in the process of filling out the consortium agreement form however I think I will get denied due to being under 6 credits to be eligible for student loans . I am aware it can only work for one institution so I am technically not taking the amount to eligible for federal loans despite not having taken any this past academic year . Does anyone have experience and can help me out with this ? I don’t have credit history to eligible for loans credit cards also no cosigner . I have a full time job offer on the line .