re: Loans

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I don't have any credit

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This could be a problem. Plus with the economy the way it is right now the banks are really picky about who they give their money to.

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This could be a problem.

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not on personal loans for 3k and under

Go to your bank and talk tell the person in the lobby you are interested in looking for a signature loan. Don't mention school or a car, make something up that you need the money for. They will run your credit and tell you what you need to do to get approved if you aren't approved on the spot. This is all assuming you can afford the payments. If not, then for fricking the economy some more. Good luck.

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.how much would I have to pay on it?

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depends on your credit
a 3k loan for 2 years with junk credit 150/month

I haven't had any bills..Im movin out of my parents house and they aren't paying anything. I have an account at a bank.. Im gonna go in the morning and ask. But I didn't want to look like an idiot and not know anything about the whole process.

How difficult is it to get student loans these days btw. Say for grad school.

Don't do it. Suck it up and save at home while you can. Once you move out you will have some major bills that you probably don't have now. Living at home will be your last good shot at saving some $$$.

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Say for grad school.

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I just got one about a week ago....very easy (for me at least)

Fill out a FASFA online (way easy these days), send it in and your school will let you know what you can borrow.