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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.
You may need a cosigner when applying for credit if: 1  You donât meet the minimum income requirements for a loan. 2  You have no established credit. 3  You have bad credit. 4  You meet the minimum income requirements but your debt-to-income ratio is too high.  You are self-employed.