No matter where you go, you will not be eligible for a GradPLus loan except you meet the requirements; Not owing 90 days or more on a bill over $500, not owing any title iv loans, bla, bla, bla, I assume you know the rest since you mentioned your parents will serve as guarantors. Try Sallie mae, they might not have the best terms but at least you'll have your loan. You'll probably have to apply first, get rejected, then re-apply with your creditworthy parents. I bank with Bofa and they can be very rigid than most folks. Dont freak out, just look elsewhere.