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A: You do not need to apply For A Parent Plus Loan With A Co-Signer anymore as no financial intermediary or other private lender offers Parent Plus Student Loans. The only lender offering these loans is the federal financial aid office and applicants do not need a co-signer in case of federal loan.
Federal loans (such as the Stafford loan) are not based on your credit history. You will not need a co-signer, or good credit. With private loans there is no way around needing a good credit history. The co-sign part is just so the lending institution knows they can go to the parent if the student defaults on the loan. 2  It is impossible to get a student loan without a co-signer even if the co-signer makes over $19,000 as another person as suggested.