{"id":1458,"date":"2017-06-20T12:01:37","date_gmt":"2017-06-20T20:01:37","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=1458"},"modified":"2022-04-05T10:08:07","modified_gmt":"2022-04-05T17:08:07","slug":"student-loans-without-cosigner","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loans-without-cosigner\/","title":{"rendered":"Best Student Loans for Applying Without a Cosigner"},"content":{"rendered":"<p>If you have poor or no credit, you might still be able to qualify for a private student loan with the help of a cosigner. However, not every student knows someone who\u2019s willing to act as a cosigner \u2014 especially considering the risks that come with cosigning a loan.<\/p>\n<p>Thankfully, some student loans don\u2019t require a credit check while others are available to borrowers with less-than-stellar credit.<\/p>\n<p><b>Here\u2019s what you should know about getting student loans without a cosigner:<\/b><\/p>\n<ul>\n<li><a href=\"#best-student-loans-without-cosigner\">3 best private student loans without a cosigner<\/a><\/li>\n<li><a href=\"#other-lenders-to-consider\">Other private student loan lenders to consider<\/a><\/li>\n<li><a href=\"#fed-student-loan-options\">Federal student loan options without a cosigner<\/a><\/li>\n<li><a href=\"#steps-to-take-before-applying\">Steps to take before applying without a cosigner<\/a><\/li>\n<li><a href=\"#downsides-applying-without-cosigner\">Downsides of applying for a loan without a cosigner<\/a><\/li>\n<li><a href=\"#how-to-find-a-cosigner\">How to find a cosigner<\/a><\/li>\n<\/ul>\n<p><a name=\"best-student-loans-without-cosigner\"><\/a><\/p>\n<h2>3 best private student loans without a cosigner<\/h2>\n<p>You\u2019ll typically need good to excellent credit to qualify for a <a href=\"https:\/\/www.credible.com\/student-loans\/\">private student loan<\/a>. A good credit score is usually considered to be 700 or higher. However, some lenders offer student loans to borrowers with scores lower than this. This means you might be able to qualify without a cosigner \u2014 though keep in mind that these loans tend to come with higher interest rates compared to good credit loans. <\/p>\n<p>Before you apply for a private student loan, be sure to shop around and consider your options from as many lenders as possible to find the right loan for your situation. Credible makes this easy \u2014 you can compare your prequalified rates from our partner lenders below that offer student loans for bad credit in just two minutes.<\/p>\n\n<table id=\"tablepress-789\" class=\"tablepress tablepress-id-789 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles table-align-center tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Lender<\/th><th class=\"column-2\">Fixed Rates From (APR)<br \/>\n<\/th><th class=\"column-3\">Variable Rates From (APR)<\/th><th class=\"column-4\">Loan amounts<\/th><th class=\"column-5\">Credit score<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/ascent\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#ascent-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    2.69%+<sup>10<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.68%+<sup>10<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$2,001* to $400,000<\/td><td class=\"column-5\">Does not disclose<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"ascent-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    2.69%+<sup>10<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.68%+<sup>10<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $2,001* to $400,000 <\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 12, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, fixed\/flat repayment, interest only, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                0.25% to 1.00% automatic payment discount, 1% cash back graduation reward<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident or DACA student enrolled at least half-time in a degree-seeking program<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 12 on-time principal and interest payments<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Launch Servicing, LLC<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/invested\/#invested-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#invested-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.5%+<sup>8<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    6.47%+<sup>8<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$1,001 up to 100% of school certified cost of attendance<\/td><td class=\"column-5\">670<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"invested-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    4.5%+<sup>8<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    6.47%+<sup>8<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,001 up to cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, reward for on-time graduation<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be an Indiana resident or a U.S. citizen attending an eligible Indiana school<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 12 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/mefa\/#mefa-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#mefa-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.29%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">$1,500 up to school\u2019s certified cost of attendance less aid<\/td><td class=\"column-5\">670<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"mefa-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.29%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,500 up to cost of attendance less aid<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, interest only, immediate repayment, academic deferral, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 48 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services (AES)<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td colspan=\"5\" class=\"column-1\"><center><b>Compare private student loan rates without affecting<br> your credit score. 100% free!<\/b><br><br \/>\n<center><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\/start\">Compare Private Loans Now<\/a><\/center><br><\/center><br \/>\n<!-- TrustBox widget - Micro Combo --><br \/>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div><br \/>\n<!-- End TrustBox widget --><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\">\n<h3>Methodology<\/h3>\n<p>To find the \u201cbest companies,\u201d Credible looked at loan and lender data points from 10 categories to give you a well-rounded perspective on each of our partner lenders. Here\u2019s what we considered:<\/p>\n<ul>\n<li>Interest rates<\/li>\n<li>Repayment terms<\/li>\n<li>Repayment options<\/li>\n<li>Fees<\/li>\n<li>Discounts<\/li>\n<li>Customer service availability<\/li>\n<li>Eligibility criteria<\/li>\n<li>Cosigner release options<\/li>\n<li>Whether the minimum credit score is available publicly<\/li>\n<li>Whether consumers could request rates with a soft credit check<\/li>\n<\/ul>\n<p>Our hope is that this will be a win-win situation for you and us \u2014 we only want to get paid if you find a loan that works for you, not by selling your data. This means Credible will only get paid by the lender if you finish the loan process and a loan is disbursed. Additionally, Credible charges you no fees of any kind to compare your loan options.<\/div><\/div>\n<p><a name=\"other-lenders-to-consider\"><\/a><\/p>\n<h2>Other private student loan lenders to consider<\/h2>\n<p>Here are more private student loan companies we evaluated. Note that you might need to apply with a creditworthy cosigner to potentially qualify with these lenders if you have poor or no credit.<\/p>\n<p>Also keep in mind that these lenders aren\u2019t offered through Credible, so you won\u2019t be able to easily compare your rates with them on the Credible platform like you can our partner lenders.<\/p>\n\n<table id=\"tablepress-261\" class=\"tablepress tablepress-id-261 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><center><strong>Lender<\/strong><\/th><th class=\"column-2\"><center><strong>Loan terms (years)<\/strong><\/th><th class=\"column-3\"><center><strong>Cosigner release<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img decoding=\"async\" width=\"175\" height=\"63\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/11\/Discover-Student-Loans.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"Discover Student Loans\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/11\/Discover-Student-Loans.png 175w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/11\/Discover-Student-Loans-150x54.png 150w\" sizes=\"(max-width: 175px) 100vw, 175px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/discover\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#discover-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>15, 20<br \/>\n<small>(depending on degree type)<\/small><\/td><td class=\"column-3\"><center>No<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"discover-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                4.84% - 12.39%<sup>6<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                1.59% - 11.37%<sup>6<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                Up to cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                15<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. GPA:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, fixed\/flat repayment, interest only, immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, good grade discount, cash reward for on-time graduation<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen, permanent resident, or international student with a qualifying cosigner, as well as be making satisfactory academic progress.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Discover Bank<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img fetchpriority=\"high\" decoding=\"async\" width=\"570\" height=\"136\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/earnest-logo-e1626094191481.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            Credible Rating\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#earnest-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>5, 7, 10, 12, 15, 20<\/td><td class=\"column-3\"><center>No<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"earnest-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Rates:<\/span>\n                                Fixed, variable<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                650<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 12, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. GPA:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full month payment, fixed\/flat repayment, interest only, academic deferral, military deferral, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                A U.S. Citizen or permanent resident. Not available in KY or NV.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img decoding=\"async\" width=\"550\" height=\"138\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/03\/iHELP_Logo_.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"ihelp student loan review\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/03\/iHELP_Logo_.png 550w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/03\/iHELP_Logo_-300x75.png 300w\" sizes=\"(max-width: 550px) 100vw, 550px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/ihelp\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#ihelp-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>20<\/td><td class=\"column-3\"><center>After 24 months<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"ihelp-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $150,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Min GPA:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, military deferment, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/lendkey\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#lendkey-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>Does not disclose<\/td><td class=\"column-3\"><center>Does not disclose<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"lendkey-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. GPA:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Fixed\/flat repayment, interest only, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fees<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, on-time graduation<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"267\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-768x267.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-768x267.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-600x208.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-1200x417.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-300x104.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-150x52.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank.png 1521w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            Credible Rating\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#pnc-bank-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>5, 10, 15<\/td><td class=\"column-3\"><center>After 48 months<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"pnc-bank-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Rates:<\/span>\n                                Fixed, variable<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms:<\/span>\n                                5, 7, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. GPA:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, interest only, immediate repayment, academic deferral, military deferral, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late Fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Does not disclose<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            Credible Rating\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"5 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#sofi-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>5, 10, 15<\/td><td class=\"column-3\"><center>After 24 months<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"sofi-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Rates:<\/span>\n                                Fixed, variable<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. GPA:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, fixed\/flat repayment, interest only, immediate repayment, academic or military deferral, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a US Citizen or permanent resident <\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td colspan=\"3\" class=\"column-1\"><center><b>The lenders in this table aren't our partners. But you can use Credible to compare rates in 2 minutes from other lenders who offer private student loans.<\/b><br><br \/>\n<a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\/start\">Compare Now<\/a><\/center><br><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><a name=\"fed-student-loan-options\"><\/a><\/p>\n<h2>Federal student loan options without a cosigner<\/h2>\n<p>Most federal student loans don\u2019t require a credit check or a cosigner. However, you must fill out the <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/applying-for-fafsa\/\">Free Application for Federal Student Aid (FAFSA)<\/a> to apply for federal student loans \u2014 if you\u2019re a dependent student, you\u2019ll need to provide your parent\u2019s financial information to complete the FAFSA.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind:<\/b> You\u2019ll have to undergo a credit check if you want to apply for a federal Direct PLUS Loan. If you have an adverse credit history, you\u2019ll need an endorser (similar to a cosigner) to qualify.<\/div><\/div>\n<p>Here are the three main types of <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/federal-student-loans-guide\/\">federal student loans<\/a> to consider:<\/p>\n\n<table id=\"tablepress-43\" class=\"tablepress tablepress-id-43 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Loan type<\/strong><\/th><th class=\"column-2\"><strong>Pros<\/strong><\/th><th class=\"column-3\"><strong>Cons<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Direct Subsidized Loans<\/strong><\/td><td class=\"column-2\"><ul><li>Must have financial need to qualify<\/li><li>Government covers the interest that accrues while you're in school at least half time<\/li><li>Six-month grace period after graduation<sup>1<\/sup><\/li><\/ul><\/td><td class=\"column-3\"><ul><li>Only available to undergrads with financial need<\/li><li>Can defer student loans, but interest will still accrue if you put your loans in forbearance<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Direct Unsubsidized Loans<\/strong><\/td><td class=\"column-2\"><ul><li>Not required to demonstrate financial need <small>(so the borrowing limit is higher than subsidized loans)<\/small><\/li><li>Available to undergrad, grad, and professional students<\/li><\/ul><\/td><td class=\"column-3\"><ul><li>You're responsible for all of the interest that accrues <small>(even while you're in school)<\/small><\/li><li>Higher interest rates for grad and professional students<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Direct PLUS Loans<\/strong><\/td><td class=\"column-2\"><ul><li>Available to grad students and parents of dependent undergrads<\/li><li>Can borrow up to your school\u2019s certified cost of attendance <small>(minus other financial aid you've received)<\/small><\/li><\/ul><\/td><td class=\"column-3\"><ul><li>Higher interest rates than subsidized and unsubsidized loans<\/li><li>4.228%<sup>2<\/sup> disbursement fee<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"3\" class=\"column-1\"><small><sup>1<\/sup>Meaning that any interest that accrues during your college career and 6 months afterward is completely paid for<br \/>\n<sup>2<\/sup> For the 2021-22 academic year<\/small><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><a name=\"steps-to-take-before-applying\"><\/a><\/p>\n<h2>Steps to take before applying without a cosigner<\/h2>\n<p>While eligibility requirements for private student loans can vary by lender, here are some of the main steps to take to increase your approval chances: <\/p>\n<ol>\n<li><b>Check and build your credit.<\/b> When you apply for a private student loan, the lender will review your credit to determine whether to approve you, so it\u2019s wise to check your credit beforehand to see where you stand. You can use a site like AnnualCreditReport.com to review your credit reports for free. If you find any errors, dispute them with the appropriate credit bureau to potentially boost your credit score. It could also be a good idea to work on building your credit if you have poor or no credit history. Some potential ways to do this include paying all of your bills on time, paying down credit card balances, or becoming an authorized user on a credit card account of someone you trust.<\/li>\n<li><b>Establish verifiable income.<\/b> Some lenders have a minimum income requirement while others don\u2019t \u2014 but in either case, you\u2019ll typically have to provide proof of income to qualify for a loan. This means you\u2019ll probably have a hard time getting approved if you don\u2019t have a solid income history to show. If you\u2019re unemployed, you\u2019ll likely need to find a job before applying for a private student loan.<\/li>\n<li><b>Reduce your debt-to-income ratio.<\/b> Your debt-to-income (DTI) ratio is the amount you owe in monthly debt payments compared to your income. Your DTI ratio should be no higher than 50% to take out a private student loan \u2014 though some lenders require lower ratios than this. If you need to bring your DTI ratio down, you might consider paying down your debt or even asking for a raise at your job. <\/li>\n<\/ol>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/bad-credit-cosigner-student-loans\/\"><b><i>Best Private Student Loans That Don\u2019t Require a Cosigner<\/i><\/b><\/a><\/p>\n<p><a name=\"downsides-applying-without-cosigner\"><\/a><\/p>\n<h2>Downsides of applying for a loan without a cosigner<\/h2>\n<p>If you\u2019re thinking about applying for a student loan without a cosigner, here are some downsides to consider first:<\/p>\n<ul>\n<li><b>You might get denied.<\/b> Many college students don\u2019t yet have sufficient credit or income to get approved for a private student loan. If you have less-than-stellar credit (or no credit at all) or don\u2019t have verifiable income, your application could get denied. <\/li>\n<li><b>You could get stuck with a higher interest rate.<\/b> You\u2019ll generally need good to excellent credit (or a cosigner) to qualify for the lowest interest rates. While you might still get approved, you could end up with a higher interest rate \u2014 which means you\u2019ll pay more in interest over the life of your loan.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind: <\/b>While federal <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/\">Direct Subsidized and Unsubsidized Loans<\/a> don\u2019t require a credit check or a cosigner, they do come with the following borrowing limits:<\/p>\n<ul>\n<li><b>Direct Subsidized Loans:<\/b> Up to $5,500 per year<\/li>\n<li><b>Direct Unsubsidized Loans (undergraduate):<\/b> Up to $12,500 per year<\/li>\n<li><b>Direct Unsubsidized Loans (graduate and professional):<\/b> $20,500 per year<\/li>\n<\/ul>\n<p>If you run into these student loan limits and need to borrow more, you\u2019ll have to turn to federal Direct PLUS Loans or private student loans \u2014 both of which require decent credit to get approved without an endorser or a cosigner, respectively.<\/div><\/div>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/repayment-options-private-student-loans\/\"><b><i>Private Student Loan Repayment Options<\/i><\/b><\/a><\/p>\n<p><a name=\"\"><\/a><\/p>\n<h2>How to find a cosigner<\/h2>\n<p>If you\u2019re unable to qualify for a private student loan on your own, you could still need to find a <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-explained\/\">cosigner<\/a>. Luckily, you might have more options than you think \u2014 a cosigner can be anyone with good credit (such as a parent, another relative, or a trusted friend) who is willing to share responsibility for the loan.<\/p>\n<p>But before you ask someone to cosign a loan, it\u2019s important to be fully prepared. If you\u2019re ready to find a cosigner, follow these four steps:<\/p>\n<ol>\n<li><b>Create a plan. <\/b>If someone has agreed to cosign your loan, be sure to make a plan together that covers exactly how you\u2019ll handle the loan if your application is approved. This should include how you\u2019ll make payments and what you\u2019ll do if you can\u2019t make a payment on time.<\/li>\n<li><b>Go through the process together. <\/b>Your cosigner\u2019s name will be on the loan, too \u2014 so don\u2019t leave them out of the application process. Instead, go through the entire process together so both of you know what\u2019s involved as far as interest rate, repayment, fees, and anything else associated with the loan.<\/li>\n<li><b>Review the risks. <\/b>Having a cosigner can make it much easier to qualify for a private student loan. But cosigning also comes with risks that are important to understand. If you fall behind on payments, your credit score will suffer \u2014 and so will your cosigner\u2019s. And if you fail to repay the loan, your cosigner will be liable. Make sure you both know exactly what\u2019s at stake.<\/li>\n<li><b>Keep communication open. <\/b>Asking someone to cosign your loan is a big deal \u2014 so don\u2019t shy away from discussing the risks involved. Also don\u2019t be afraid to talk about your current financial state, your income, and how you plan to improve these areas. By laying everything out on the table, you can help set your cosigner\u2019s mind at ease.<\/li>\n<\/ol>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-explained\/#how-to-find-cosigner\"><b><i>How to Find a Cosigner for Your Student Loans<\/i><\/b><\/a><\/p>\n<h2>Frequently asked questions about student loan cosigners<\/h2>\n<p>Here are answers to some commonly asked questions regarding student loan cosigners:<\/p>\n<h3>Do you need a parent to cosign a student loan?<\/h3>\n<p>While many students ask one of their parents to act as a cosigner, this isn\u2019t a requirement. Anyone with good credit who is willing to share responsibility for the loan can be a cosigner \u2014 for example, you might ask another relative or a trusted friend.<\/p>\n<h3>Who can be a cosigner on a student loan?<\/h3>\n<p>Anyone who meets the lender\u2019s eligibility criteria can be a cosigner. This typically means that they must have good to excellent credit, verifiable income, and a low DTI ratio.<\/p>\n<p>Remember that you don\u2019t necessarily have to be related to someone to ask them to cosign a loan.<\/p>\n<h3>Do student loans affect a cosigner\u2019s credit score?<\/h3>\n<p>Yes, your student loan could affect your cosigner\u2019s credit score, in both good and bad ways. <\/p>\n<ul>\n<li><b>Initial hard credit check:<\/b> To start, when you apply for the loan, the lender will perform a hard credit check on you and your cosigner to determine if you qualify for the loan. This could cause a slight drop in your credit score (and your cosigner\u2019s) \u2014 though this is usually only temporary, and your score will likely bounce back in a few months.<\/li>\n<li><b>Payment history: <\/b>Your payment history is one of the biggest factors in your credit score \u2014 so if you make your loan payments on time, you could see an improvement in your credit over time. This could help your cosigner\u2019s score, too. However, if you fail to make payments on time, your credit could take a hit \u2014 along with your cosigner\u2019s.<\/li>\n<\/ul>\n<h3>How to remove a cosigner from a student loan<\/h3>\n<p>Several lenders offer a cosigner release option \u2014 which means you could remove your cosigner from the loan after meeting certain requirements. Follow these three steps to remove a cosigner from a student loan:<\/p>\n<ol>\n<li><b>Make consecutive, on-time payments for a specific period of time<\/b>. This is usually 12 to 48 months, depending on the lender.<\/li>\n<li><b>Meet the lender\u2019s underwriting criteria on your own.<\/b> This means you\u2019ll need good to excellent credit, verifiable income, and a low DTI ratio \u2014 essentially, you\u2019ll have to qualify for the loan without your cosigner\u2019s help.<\/li>\n<li><b>Apply for cosigner release.<\/b> You can often do this online via the lender\u2019s website. Be prepared to provide your financial information and submit any required documentation, such as tax returns or pay stubs.<\/li>\n<\/ol>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> If your lender doesn\u2019t offer cosigner release, another way to remove a cosigner is by <a href=\"https:\/\/www.credible.com\/refinance-student-loans\">refinancing your student loan<\/a>. This is the process of paying off your old loan with a new private student loan, which means you\u2019ll have to qualify on your own if you don\u2019t want another cosigner.<\/p>\n<p>Depending on your credit, refinancing might get you a lower interest rate than you\u2019d get on your own \u2014 which could save you money on interest and potentially help you pay off your loan faster.<\/div><\/div>\n<p><b><i>Keep Reading: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-release-student-loans\/\"><b><i>Student Loans with Cosigner Release<\/i><\/b><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you have poor or no credit, you might still be able to qualify for a private student loan with the help of a cosigner. However, not every student knows someone who\u2019s willing to act&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loans-without-cosigner\/\">Continue reading<\/a><\/p>\n","protected":false},"author":90,"featured_media":60263,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[1499],"class_list":{"0":"post-1458","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-refinance-student-loans","8":"tag-student-loan-basics-sidebar","9":"student-loans-without-cosigner","11":"post_tag-student-loan-basics-sidebar"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Student Loans for Applying Without a Cosigner | Credible<\/title>\n<meta name=\"description\" content=\"Most students who take out private student loans have a cosigner, but you also have other options. 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