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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 Has not defaulted on a federal or private student loan. 2  Meets the minimum credit score. 3  Has at least 2 years of credit history. 4  The borrower or cosigner must have an annual income of $24,000 or greater for the past 2 years to qualify for the iHELP Consolidation Fixed Rate Program. The borrower or cosigner must have at least 2 years of positive credit history and meet other creditworthy requirements (see below). 2  The borrower or cosigner must have an annual income of $24,000 or greater for the past 2 years to qualify for the iHELP Consolidation Fixed Rate Program.