one probably need a even higher credit score than 650 to get a student loan now.
i would guess one needs to be close to the 700 or over 700 to get a decent student private loan.

it is just hard to get any loans these days period. many ppl who has excellent credit score, close to 800 and clean credit history are having problems getting loans for other purposes such as mortgage.

and with the interest rate this low....i woudnt be suprised if banks totally stop loaning $, as it wont be making anything in the interest!