study loan approval

Hello Peter<br> <br> i am so depressed about standard bank situation. i am banking with them and i am their client too and i also have my late estate of my father account with them too. i app**** for a study loan for my sone several times and they declined the application and they didnt even tell me the reason for that. Even if i am blacklisted but it is my son who app**** for the loan.they have two options of loans:1 study loan that must be paid after the student is finished with the studies.<br> 2. study loan that must be paid by the person who is the gudian of the child. He chose option number1 but the study loan was declined because of the mothers credit score.why do they do they penalise the childs future because of the parent bad credit?i can afford the study loan because it is my sons future and the account that blacklisted i am paying it very well its just that they do not update their database.can standard bank consider my affordability so that my son can get a study loan?