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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.
The reason you absolutely do not need a cosigner for a Stafford (or Perkins loan for that matter) is because your eligibility for the loan is not based on your credit history-therefore no credit check is conducted, and there is no reason for a lender to worry about your credit risk.his is a standard form that every Stafford lender must have you sign, so if you're not seeing that form, you're not completing the paperwork for a Stafford loan. Because you're confused about the loans that you're signing for, stop now, and consult with the financial aid office of your school.