College Financial Aid??? Any Other Options?

You should start applying for jobs. You need to start getting an employment history. It's really important for you to work. At least part-time. From there, you can get credit score by opening up a bank account with your name, a cell phone plan with your name, etc.. Anywhere regardless a co-sign is important due to no credit score. : l Sorry. If you have a credit score and it's good, you don't need a co-sign. On the other hand, your credit score is bad, then you do need a co-sign and that's the same as zero credit score. The employment history is good, because they need to know if your going to be giving them payments. With a person that has no job, it's declined because they think you won't be able to pay back. Best of luck, your only solution is to get a job!!!