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Lenders often look at the borrower’s personal credit and income to determine whether they qualify for a business loan. Again, the type of loan you want may dictate your choice of a lender. Some institutions don’t offer business loans or student loans. Start your search at the institutions that are best known for making affordable loans of the type you want. For example, go through your school’s Student Aid office for an education loan before you go to the bank for a private student loan.