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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.
Best Answer: The lifetime limit for grad and undergrad loans is $138,500 with no more than $65,500 in subsidized loans.The aggregate loan limit for undergraduate loans is $46,000 with no more than $23,000 in subsidized loan.If you are a dependent student and don't have any additional unsub because of a PLUS denial, then your aggregate loan limit is $23,000 total until you turn 24 (become an independent student).est Answer: The lifetime limit for grad and undergrad loans is $138,500 with no more than $65,500 in subsidized loans.