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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 you are not able to qualify on your own, you can apply with a cosigner. 1  To qualify for this loan: 2  The borrower must be a U.S. citizen or permanent resident or apply with a cosigner who meets this requirement. 3  The borrower must be enrolled at least half time at an iHELP eligible school. 4  View Eligible Schools. 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.