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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 You and any cosigner must meet credit, employment, and debt-to-income requirements. 2  You must have at least $5,000 in private student loans to consolidate. 3  You must be enrolled at a Wells Fargo participating school.tudent Loan Repayment Calculator. If youâre a borrower with little or no credit history, or you have limited income, a cosigner may help you to qualify for this loan and potentially receive a lower interest rate.