Cheap college loans are becoming harder and harder to come across due to the tightening of credit markets around the world. Cheap education loans are becoming particularly difficult to find in the private student loan sector, with more and more private lenders boosting their interest rates for less-than-ideal borrowers and other sorts of unique situations. If you are looking for cheap education loan financing then you need to become aware of your situation both in terms of options and personal circumstances so that you can eventually get the financing you need.This means that you must first understand that private college loans are a credit-based loan product that will depend heavily on your personal credit and income. This means that to get the cheapest private college loan possible you must have both good credit and a good income, and if one of these are missing then you might not even be able to get approved by some private lenders. The better you credit score is the better interest rate you’ll be able to secure and this will translate into less money you’ll have to pay each month for your student loan.Some of the best private educational lenders that can offer you the cheapest college loans are the ones that offer what are called fast student loans. Fast education loans are essentially private college loans that don’t have to be certified by the school you are attending, and for many students these kinds of loans can provide the additional layer of security that can allow them to get a great interest rate but at the same time save the most money. The private lenders that provide such fast college loans can be found all over the Internet, and these kinds of lenders will typically make it well known on both their website and in their advertising that they provide student loans that don’t require school certification.Once you apply for these kinds of fast student loans and you are approved then you can normally receive your money in less than two weeks, and the check can be sent straight to your home address. This will allow you to avoid any “rate-capping” or other sorts of practices that can keep you from getting the best rate for your student loan. As long as you have your application all ready to go you should have no trouble getting these types of college loans, and in the end that will mean more money in your pocket over the long-term.