Basically cost is $5100 I have shit credit and the school currently doesn’t have a in house financing option for PA. So I’m left with trying to get a personal loan. My brother says he will co-sign but not sure if he’s got the debt to income ratio as he has a good bit of stuff out currently. I’m not sure what to do realistically I could go lower and try for like a $4000 loan and cover the $1100 myself but that’s the best I can do. Any advice or options for people like myself?