small and local are key, Hope. a small and local bank which services their own loans will often have extremely competitive rates, and more importantly, will view you as a person in your totality, rather than just a loan #. Don't give up!!

M 20+ T25+
S ~15.5 (BD)
BD 4/6/15
D 12/23/16

"Someone I loved once gave me
A box full of darkness.
It took me years to understand,
That this too, was a gift."
~ Mary Oliver