I am having MAJOR money issues. Major. I want to start grad school, I have bills coming from all over, I owe a lot of money. My teacher salary is not cutting it. I need a part time job but how will I manage a full time, part time, and full time in grad school? So I am thinking about taking out a small loan to pay all of smaller bills and just pay back the loan. Plus I am about to move into a cheaper apartment so I need money for the administration deposit. I am thinking about going to the local credit union to get a small loan and I have never done this before. I have excellent credit and I have a steady job. What would make them deny me a loan? Anyone ever have to do this? Advice?