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A student loan cosigner can be any individual who is of legal age (18 years old in most states), who is a citizen or national of the U.S., and meets the general loan eligibility and credit requirements. A cosigner can be a parent, guardian, spouse, relative, or even a family friend.ndergraduate students typically need to apply with a creditworthy cosigner in order to meet our income and credit history requirements. Graduate students can often qualify on their own without income. By cosigning, you may help a student to qualify for a private student loan and possibly receive a lower interest rate.
Yes, you can get a federal student loan (without a cosigner) as long as you meet regular admission standards. Apply at http://fafsa.ed.gov. No, you won't need a cosigner for a federal student loan.Be aware that the max you will be able to borrow is about 3,500 a year as a freshman.This will likely pay for your tuition and books, but not enough to pay for 3000+ in extra stuff.ou can get credit with a co-signer, but only beginner credit. $300-$500 dollar credit card, Personal line of credit, etc. You MUST be 18 to qualify for any type of student loan. Please don't listen to people who tell you otherwise.