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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.
If the borrower has an adverse credit history, the borrower may still qualify for a Federal Grad PLUS loan by obtaining a cosigner (called an endorser) who does not have an adverse credit history. Graduate students who do not have an adverse credit history do not need a cosigner to apply for the loan.