Hey Adam/@abelo,
Found this article which is fairly recent from Investopedia which may help your interest in finding loans such as an unsecured or parent-program; they have a video in there describing why banks charge higher rates or require a certain credit score. Unsecured Loan - Investopedia
Also Adam if you’re interested in building your credit score, I posted a pretty nice little blurb under another thread on how to establish some credit and furthermore an idea of how the credit bureau works behind closed doors with your credit reporting. I am not a licensed specialist; however, I do work daily with individuals in the financial work of retail/business banking and have some training regarding all types of loans from unsecured all the way to a mortgage; just not licensed to give you direct advice personally how to go about your credit. “How To Pitch To A Cosigner”
Brady