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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.
Federal loans (such as the Stafford loan) are not based on your credit history. You will not need a co-signer, or good credit. With private loans there is no way around needing a good credit history. The co-sign part is just so the lending institution knows they can go to the parent if the student defaults on the loan. 2  It is impossible to get a student loan without a co-signer even if the co-signer makes over $19,000 as another person as suggested.