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How to get a student loans without a cosigner

A cosigner can be defined as a joint signer of another person’s debt which will become the cosigner’s liability shall the borrower default. Here are a few ways to procure top student loans without a cosigner:

Federal student loans: The government of the United States of America offers various loan opportunities, some of which do not require any credit history or cosigner backup. Opting for a federal loan is a good idea when one does not want to involve a cosigner. Federal loans are usually allowed at a low-interest rate and the amount that one has to pay while in school can be subsidized.

Private student loans: Private lenders comprise of online lenders and any other companies or organizations that provide loans to students. It is a challenging task to get a private student loan without a cosigner. However, if you have a good credit history, you can apply for this loan and avail it without a cosigner. Student loans with a bad or weak credit history will not be eligible to apply for these loans without a cosigner.

Building up of credit: It’s not the most feasible option and also involves a lot of waiting time. You can build up your credit over a period, till it’s stable enough to get you a loan without a cosigner. You need to plan and organize everything to build up your credit. More than anything else, you need to be patient.

Collateral: You can use anything you own as collateral to get a loan, but through this method, your loan will not be categorized as a ‘student loan’ anymore. If you own a car, you can use it to attain this loan. This way you may not be able to get a loan worth the entire college tuition amount, but it will provide a good sum of money. Collateral loans are usually expensive to pay off, and they are a riskier option when compared to student loans, but if you do not want a cosigner and if no other method works, then you may have to take the plunge.

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