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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.
There are no prepayment penalties on federal student loans or private student loans. You can make extra payments on your student loans or pay them off in-full without paying a fee or other penalty. To make a payment, contact the loanâs servicer. For federal student loans, you can find your loan servicer using the student access portal to the National Student Loan Data System (NSLDS). To log in to NSLDS, youâll need your FSA ID. For private student loans, you can find your servicer on your credit report.