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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.
Keep in mind that the cosigner or cosigners will become responsible for your loan payments if you do not make your payments on time. Getting First Time Auto Loans. If you are serious about securing a first time car loan, you should try to raise your own credit and to work with a cosigner.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.