Well here's the story.....I've tried twice now to get the loan, and I've been denied both times. My mom was applying as the primary and me as the co-signer. I have applied for a loan of 18 grand, and it's not working. My mom's credit is below average, and I have no credit. Any recommendations/hints to help me find a way to get the loan? I have 3 grand saved up right now........help me please!