There is no doubt that finding the necessary funds to allow a son, daughter or even yourself to attend college is not easy. Colleges, even those that are not Ivy League, are expensive, and it can be difficult to save the required college fees. This is especially true when a student has a bad credit rating, and is why there is such a need student loans with bad credit.However, when it comes to getting approval on bad credit student loans, there are alternatives open to those who find themselves rejected by traditional lenders. These can include government aid and even scholarships available from the educational institutions themselves.Getting loans approved for students with bad credit is never a guarantee, and the availability of these alternative options is often a lifesaver for many students seeking help financing their education.College ScholarshipsThis is the funding option that most students would love to benefit from, whether sports scholarships or academic scholarships. For those who might otherwise depend on student loans with bad credit, either are perfect as they require no repayments at all.Not all scholarships are for complete costs, which means that bad credit student loans may still be needed. But even if this is the case, the fact is that the overall debt is effectively halved, so the benefit is still significant. It is important, however, that the financial aid office is consulted in plenty of time to apply for scholarships, as there is always a limited amount available.With loans approved for students with bad credit, the repayments may be delayed until after graduation, but remember that the overall debt is lowered thanks to the part-scholarship.Financial AidOn every campus, a financial aid office exists that is invaluable to anyone seeking student loans with bad credit. The office network was set up in 1965 to provide government assistance to students, and is responsible for making a college education something within reach of practically everyone.The office provides a lot of advice and information to students about loan options outside their own range. This is because not everyone qualifies for government loans, with a preference shown to those in financial difficulties. For example, a student whose father earns $100,000 per year will not qualify for federal aid and will, at worst, need to seek a bad credit student loan.Unlike loans approved for students with bad credit from traditional lenders, the terms of these loans are extremely flexible, making them highly desirable.Government LoansThere are several types of government loans perfectly designed as an alternative to the student loans with bad credit that the banks and traditional lending institutions tend to offer. However, the government loan options are open to those in need, rather than those simply looking for extra funds.The two most common types of bad credit student loans are the Stafford and the Perkins loans, with the only difference being that Perkins loans are reserved for those in extreme financial need. That effectively means the criteria is set on the fact that the applicant is expected to truly struggle.As a loan approved for students with bad credit, the Stafford loan is the most common. It can be subsidized or unsubsidized, which effectively means that either the government pays the interest while at college, or the borrower pays the interest. However, in both cases, the principal is not repaid until after graduation.Private LendersWhile these are usually the first options people turn to, they do not always offer the best terms for student loans with bad credit. In fact, their interest rates can be very high, though they generally offer repayment deferrals. Of course, online lenders are also an option, boasting much more competitive rates.