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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.
But if you're entitled to a full grant the living loan you'll be entitled to is reduced, though by less than the amount of the grant. So at 25,000 income or less, in 2015/16, a student living away from home (outside London) would get a grant of 3,387 and a maximum loan of 4,047 (not the full 5,740).his means that if you earn 1,500 most months, but overtime or bonuses take you over the 1,750 threshold for one month, then the Student Loans Company will take 9% of anything above 1,750 from that month s paycheck-even if you don't make 21,000 or more during the year.