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A student loan cosigner can be any individual who is of legal age (18 years old in most states), who is a citizen or national of the U.S., and meets the general loan eligibility and credit requirements. A cosigner can be a parent, guardian, spouse, relative, or even a family friend.ndergraduate students typically need to apply with a creditworthy cosigner in order to meet our income and credit history requirements. Graduate students can often qualify on their own without income. By cosigning, you may help a student to qualify for a private student loan and possibly receive a lower interest rate.
Get the money you need. Applying for a Medical Residency and Relocation Loan with a creditworthy cosigner may result in a lower interest rate. You can apply to release your cosigner from the loan after you graduate, make 12 on-time principal and interest payments, and meet certain credit requirements.