Student loan or a note through my bank?

I know this might sound silly ask your financial aide counselor. Then call a credit counselor or ask someone that works in your banks loan department. They will guide you in the right direction. You just need to make the right choice. Each person will have their own different views and opinions on what they think you should do Just keep in mind that they want your business if they already have it they will look for room for improvement. If you have a family member that works with credit situations ask them.