Can I get a student loan without my parents co-signing?

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  • 6 months ago

    ALL student loans are disbursed through your school - whether it is a Direct Student Loan (federal) or a private student loan - all the student gets is what is left over after paying the school. You would not need a co-signature on a Direct Loan - speak to the folks at your school's financial aid office (that's what they are there for) about any additional grant aid or work study assistance you might be eligible for BEFORE you take additional loans... also, think: JOB - there are 168 hours in a week. If you spend 60 hours sleeping, 35 hours in class & studying, that leaves over 70 hours - surely you can fit 20 hours of work in there?

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  • 7 months ago

    "Unfortunately, while some students can qualify for private student loans without a co-signer if they have income and good credit, most students will need to rely on parental help to qualify for private loans."

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  • 7 months ago

    You should be able to get a student loan from the US Dept of Education, however that money will be paid directly to the school. If you want to get a loan from a third party (bank, Sallie Mae..) then that will likely require a parent to co-sign. In the case of third party loans, you receive the funds.

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