What bank offers the lowest interest charges? What bank should I go with?

I can't get a student loan at this time. Desperate times call for desperate measures. I need to use a credit card loan. I don't care if it's going to ruin my credit. I can't get credit anyways. It's my last resort.
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If you can't get a student loan, why do you think you could get a credit card? If you can't get credit, you won't get a credit card. Even if you do, it will only be one with a very low limit - no where near enough to pay for tuition never mind a dorm.

You need to talk to the financial aid office at your university & see what's available. That's what they are there for.

Good luck.
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Student loans are meant to help students who are unable to bear their educational expenses. Student loans are different in different countries in the way they are devised, but then the common types of student loans available are the undergraduate loans, college student loans, private student loans and federal family educational loans.

http://www.worldbestloans.com/student-lo...

Student loan repayments are not made until the student completes his graduation. This facility helps him to concentrate on his studies and earn some little amount of money while he is studying, but repayment has to start once he finishes his education.