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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.
Another option may be to co-sign a private loan for your child â but that carries similar financial risks. By Betsy Mayotte, Contributor | April 27, 2016, at 10:00 a.m. Just because families are approved for a Parent PLUS loan, doesn't mean that they will be able to afford the payments.