The real answer is that it depends. There are some programs especially aimed at people with credit problems and some programs only want people with no credit problems. Remember that many of these programs exist for people who are can't get money elsewhere. The government tries too give money for those who can’t get it elsewhere or who will invest in certain activities that the government is promoting , like starting a business or getting an education. It is important that if you owe money on your student loans and are now seeking more money, it would be wise if you straighten things out with the Department of Education first. The Department of Education has established certain programs for helping you accomplish this. Contact the Department of Education or your Congressman’s office for details. Then you can apply for more student money.