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A:Yes, a student can get a loan without a cosigner. Usually, 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.
1 Generally, lenders will require a potential cosigner to have a credit rating score of 700 or above. 2  People with this range of credit score, and higher, are generally very financially responsible and pay their bills and obligations on time. 3  If you have bad credit, your cosigner and needs to have excellent credit.owever, if you default on payments, your cosigner will be liable. Therefore, it's highly recommended that you avoid using a cosigner if at all possible. Income Requirements. Almost all lenders of first time car loans set a minimum monthly income requirement at $1,600 as a requirement for not needing a cosigner.