I'm sorry to ask but isn't this the solution to your problem? These loan sharks usually require proof that you have steady income and you can handle your monthly loan payments. Well it seems to me you'll be perfectly able to do so. Don't you think you should try to reapply for a loan in a month or so?

I'm asking also cause I might soon find myself in such a situation and I want to get a better picture about what to expect from the banks. Do they have something against students in personal, even if the student has a job?