Unfortunately, there is no such thing as a private loan that does not require credit-worthiness or a co-signer that is. Here is the reasoning behind this:
Federal Student Loans do not require a credit check or co-signer because the loans are federally guaranteed. This means that the federal government has guaranteed to the lender that, if the borrower defaults on the funds, the federal government will repay the loan instead, in which case you would then owe the government instead (which is not a good thing, by the way!) Because there is no risk involved in lending to you on a federally guaranteed loan, there is no credit needed.
On private loans, the lender is taking a risk in lending to you because they are counting on you to be able to pay it back. On private loans, there will be no one else responsible that will step in and ensure that the lender receives the money back, so they need to be shown your ability to repay through your credit-worthiness or that of a co-signer. And that's the bottom line.
If you do happen to find a loan that claims that it will lend to people will bad credit, I would be extremely hesitant to take out such a loan. This indicates a completely outrageous interest rate or loan terms that are going to make it very difficult to actually repay. This can put you in a lot of financial trouble down the road. Whatever you do, please be sure to read every single word of any promissory note or contract that you sign to ensure that you are fully aware of the loan that you are getting yourself into BEFORE you sign a thing.
Lastly, you state "I have no job at the moment because of school." That is a horrible excuse for not working. Depending on private loans to pay for your personal expenses while attending school is one of the laziest and most financially irresponsible decisions you can make. While it may seem easier now, think about your future! You will be making things much more difficult for yourself down the road if you accumulate an excessive student loan debt unnecessarily. Having a high-interest loan to repay can prevent you from havnig the financial capability to buy a home, purchase a nice car, etc. in the future--it's just not worth it. While it may be difficult now, working to meet your living expenses while going to school is going to put you in a much better financial situation down the road. And it IS possible! I worked full-time while attending school more than part-time and managed to obtain my Bachelor degree with just a little over $5000 of federal student loan debt with absolutely no help from parents, and I am very happy with the financial decisions I made in funding my educational expenses.
I am a Financial Aid Counselor and Student Loan Specialist at a college in California.