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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.
The main problem with getting a student loan without a cosigner and other forms of federal financial aid is that the amount may not be sufficient for paying all your college expenses. You may have to do further research on how to get a loan without a cosigner from private organizations.sually, federal loans do not require cosigners or even a credit score. These loans are designed for students in need of financial help. They are easy to get, requiring students to simply demonstrate a financial need through a FAFSA form. This form is available online and is absolutely free of cost.