{"id":2213,"date":"2016-01-15T15:09:44","date_gmt":"2016-01-15T15:09:44","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=2213"},"modified":"2024-01-26T08:17:16","modified_gmt":"2024-01-26T16:17:16","slug":"cosigner-explained-3","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-explained\/","title":{"rendered":"How to Find a Cosigner for Your Student Loans"},"content":{"rendered":"<p>When applying for a loan on your own, you risk getting denied if you have a lower credit score. Some lenders might work with you, but many see a low credit score as risky and may just offer higher rates.<\/p>\n<p>If you\u2019re running into that issue, you might want to find a cosigner. A cosigner can help you qualify for a loan you otherwise wouldn\u2019t, and also might help you secure a better interest rate.<\/p>\n<p><b>Here\u2019s what you should know about getting a cosigner:<\/b><\/p>\n<ul>\n<li><a href=\"#what-is-cosigner\">What is a cosigner?<\/a><\/li>\n<li><a href=\"#why-use-cosigner\">Why use a cosigner?<\/a><\/li>\n<li><a href=\"#how-to-find-cosigner\">How to find a cosigner<\/a><\/li>\n<li><a href=\"#student-loan-cosigner-requirements\">Student loan cosigner requirements<\/a><\/li>\n<li><a href=\"#what-to-do-if-you-cant-get-cosigner\">What to do if you can\u2019t get a cosigner<\/a><\/li>\n<\/ul>\n<p><a name=\"what-is-cosigner\"><\/a><\/p>\n<h2>What is a cosigner?<\/h2>\n<p>A cosigner is a person \u2014 usually with good to excellent credit \u2014 who agrees to share responsibility for your loan. Your cosigner will be named on the loan, and if you fail to make the payments, your cosigner will be legally obligated to do so.<\/p>\n<p>The payment history on your loan will affect your cosigner\u2019s credit along with yours.<\/p>\n<p>Although not all lenders allow cosigners, you can usually apply with one on many types of loans, including:<\/p>\n<ul>\n<li>Private student loans<\/li>\n<li>Student loan refinancing<\/li>\n<li>Personal loans<\/li>\n<li>Mortgages<\/li>\n<li>Auto loans<\/li>\n<\/ul>\n<p><a name=\"why-use-cosigner\"><\/a><\/p>\n<h2>Why use a cosigner?<\/h2>\n<p>Having a low credit score can be a dealbreaker with lenders. They equate bad credit with irresponsible credit use. Whether you haven\u2019t done well managing other forms of credit in the past, or you have a sparse credit history, a low score can have a negative impact.<\/p>\n<p>Here are some of the times you might want to consider a cosigner:<\/p>\n<h3>Using a cosigner for student loans<\/h3>\n<p>You may need a cosigner when you\u2019re applying for <a href=\"https:\/\/www.credible.com\/student-loans\">private student loans<\/a>. If you\u2019ve exhausted all your federal funding options, like grants, scholarships, and federal student loans, you might turn to private student loans to fill in some gaps. While federal student loans don\u2019t check credit scores for federal loans (except PLUS loans), private student loans require it.<\/p>\n<p>If you\u2019re a first-time college student then you\u2019re probably new to borrowing money. This means you might have bad credit \u2014 or no credit history at all \u2014 which means you might need the help of a cosigner.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Over 90% of private student loans are cosigned.<\/b> This shows that many student loan borrowers rely on the help of those with more established credit profiles to secure borrowing money for school. Plus, even if you can qualify without one, a cosigner could help you <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigners-helping-borrowers-get-better-rates-on-student-loans\/\">secure a lower interest rate<\/a> than you could get on your own. And that could save you money over the life of your loan.<\/div><\/div>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/bad-credit\/\"><b><i>Student Loans for Bad Credit<\/i><\/b><\/a><\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><span style=\"font-size: x-large;\"><strong>Compare student loan rates from top lenders<\/strong><\/span><\/p>\n<ul class=\"list--iconArrow accent--isGreen\">\n<li>Multiple lenders compete to get you the best rate<\/li>\n<li>Get actual rates, not estimated ones<\/li>\n<li>Finance almost any degree<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\">See Your Rates<\/a><br \/>\n<small>Checking rates will not affect your credit<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\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>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n<h3>Using a cosigner for student loan refinancing<\/h3>\n<p>If you\u2019re struggling to make payments on your student loans, you might want to consider <a href=\"https:\/\/www.credible.com\/refinance-student-loans\">refinancing your student loans<\/a>. This is when you take out a new loan, pay off all your old loans, and then make one payment to your new loan every month until it\u2019s paid off.<\/p>\n<p>You might be able to get a lower interest rate, and some student loan refinancing companies will work with you even if your credit score isn\u2019t so great. But sometimes you might need to <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/refinance-with-cosigner\/\">refinance with a cosigner<\/a> if you can\u2019t qualify on your own. A cosigner with good credit could help you secure an even lower interest rate, too, even if you can qualify by yourself.<\/p>\n<p><b><i>Find Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/student-loans-without-cosigner\/\"><b><i>How to Get a Student Loan Without a Cosigner<\/i><\/b><\/a><\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><span style=\"font-size: x-large;\"><strong>Find out if refinancing is right for you<\/strong><\/span><\/p>\n<ul class=\"list--iconArrow accent--isGreen\">\n<li><strong>Compare actual rates, not ballpark estimates<\/strong> &#8211; Unlock rates from multiple lenders in about 2 minutes<\/li>\n<li><strong>Won&#8217;t impact credit score<\/strong> &#8211; Checking rates on Credible won&#8217;t impact your credit score<\/li>\n<li><strong>Data privacy<\/strong> &#8211; We don&#8217;t sell your information, so you won&#8217;t get calls or emails from multiple lenders<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refinance-student-loans\">See Your Refinancing Options<\/a><br \/>\n<small>Credible is 100% free!<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\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>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n<h3>Using a cosigner for personal loans<\/h3>\n<p>If you need to consolidate debt or finance a bigger purchase, you might want to consider taking out a personal loan. But if you\u2019re having trouble getting approved for one on your own, a cosigner can increase your chances and even allow you to get a better interest rate.<\/p>\n<p>Although you can\u2019t get a personal loan with a cosigner through Credible, you can still compare rates from all of our partner lenders to see if you can qualify on your own. It won\u2019t affect your credit either!<\/p>\n<p><b><i>Keep Reading: <\/i><\/b><a href=\"\/personal-loan\/best-personal-loans-with-cosigner\"><b><i>Getting a Personal Loan With a Cosigner<\/i><\/b><\/a><b><i> <\/i><\/b><\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\">\n<p><span style=\"font-size: x-large;\"><strong>Ready to find your personal loan?<\/strong><\/span><br \/>\nCredible makes it easy to find the right loan for you.<\/p>\n<ul class=\"list--iconCheckmarkSolidCircle accent--isGreen\">\n<li>Free to use, no hidden fees<\/li>\n<li>One simple form, easy to fill out and your info is protected<\/li>\n<li>More options, pick the loan option that best fits your personal needs<\/li>\n<li>Here for you. Our team is here to help you reach your financial goals<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loan\">Find My Rate<\/a><br \/>\n<small>Checking rates won\u2019t affect your credit<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\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>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n<p><a name=\"how-to-find-cosigner\"><\/a><\/p>\n<h2>How to find a cosigner<\/h2>\n<p>Finding someone that trusts you enough with their credit is a big deal \u2014 and shouldn\u2019t be taken lightly. A cosigner agrees to repay your loan in the event you don\u2019t, so they should be someone you trust and who trusts you \u2014 like a parent, close friend, spouse, sibling, or another relative.<\/p>\n<p>It\u2019s important to prepare before you even ask someone to be your cosigner.<\/p>\n<p>Here are a few things you can do:<\/p>\n<ol>\n<li><b>Have a plan: <\/b>Know how you\u2019re going to handle your loan once it gets approved with your cosigner\u2019s help. You and your cosigner should have a plan in place for when you\u2019ll make payments and what happens in case you can\u2019t make payments on time.<\/li>\n<li><b>Use teamwork: <\/b>Go through the loan process together so your cosigner has an understanding of everything it entails. It also helps you to have someone to talk about it with in case you\u2019re unsure of how something works.<\/li>\n<li><b>Know the risks:<\/b> While you\u2019re using their good credit score to help you qualify for a loan, there are some risks involved. For example, if you don\u2019t pay your loan back on time, your credit score will take a hit and so will your cosigner\u2019s.<\/li>\n<li><b>Be open and honest: <\/b>Don\u2019t shy away from talking about the risks involved with being a cosigner and what happens if you don\u2019t follow through with payments. Also, don\u2019t be afraid to talk about your current financial state, what you earn, and how you\u2019re trying to <a href=\"https:\/\/www.credible.com\/blog\/personal-finance\/improve-credit-score\/\">improve your credit<\/a> and your finances.<\/li>\n<\/ol>\n<p><a name=\"student-loan-cosigner-requirements\"><\/a><\/p>\n<h2>Student loan cosigner requirements<\/h2>\n<p>Virtually anyone can act as a cosigner for you, although family members are the most common cosigners for student loans. But they\u2019ll need to fulfill some requirements, including:<\/p>\n<ul>\n<li><b>Be willing to do the paperwork.<\/b> Your cosigner will likely have to complete an application of their own, or complete your application with you.<\/li>\n<li><b>Have good to excellent credit.<\/b> In order to help you qualify for the best rates available to you, your cosigner should have solid credit scores. Generally, people with higher credit scores can qualify for lower interest rates.<\/li>\n<li><b>Meet the lender\u2019s income requirements.<\/b> Many lenders require cosigners to have a certain level of income.<\/li>\n<li><b>Be a U.S. citizen or permanent resident.<\/b> Your lender may require your cosigner to be a citizen, or a non-citizen with permanent residency status in the U.S.<\/li>\n<li><b>Be willing and able to repay the loan if you can\u2019t.<\/b> If you\u2019re unable to repay the loan, the lender will expect your cosigner to make the payments. They should be financially able to carry the payments without straining their own finances.<\/li>\n<\/ul>\n<p><a name=\"what-to-do-if-you-cant-get-cosigner\"><\/a><\/p>\n<h2>What to do if you can\u2019t get a cosigner<\/h2>\n<p>Even though having a cosigner could make or break your loan approval, not everyone has the option of getting one (and not every lender allows it).<\/p>\n<p>If you <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/bad-credit-cosigner-student-loans\/\">don\u2019t have access to a cosigner<\/a>, you should take the time to <a href=\"https:\/\/www.credible.com\/blog\/personal-finance\/improve-credit-score\/\">improve your credit<\/a>. Here\u2019s how to get started:<\/p>\n<ul>\n<li><b>Make all your payments on time: <\/b>If you have loans and credit cards, start making at least the minimum monthly payments on time. Payment history is your biggest factor in boosting your credit score, and on-time payments can drastically help. The more you can pay each month, the better.<\/li>\n<li><b>Lower your credit usage:<\/b>\u00a0If you have credit cards, try to use them as little as possible and work on paying them off in full every month. The amount you owe is also a big determining factor in your credit score.<\/li>\n<li><b>Check your credit report:<\/b> Credit reports can sometimes contain mistakes. If you find errors on yours, you can dispute them with the credit bureaus. Removing inaccurate negative information could help your credit score.<\/li>\n<li><b>Become an authorized user:<\/b> If you don\u2019t have much credit at all, you might take the time to <a href=\"https:\/\/www.credible.com\/blog\/personal-finance\/build-credit\/\">build your credit<\/a>. See if you can become an authorized user on a credit card account. You don\u2019t need to use the card to boost your score; you simply reap the benefits of their great score.<\/li>\n<li><b>Consider a credit union:<\/b> Because they\u2019re member-owned, credit unions often have more flexible qualifications than other types of lenders. Of course, you\u2019ll need to qualify as a member of the credit union before applying for a loan.<\/li>\n<li><b>Borrow from a family member or friend:<\/b> If getting a cosigner isn\u2019t an option, you might find a loved one willing to loan you the money. Just be sure to agree to a set payment schedule \u2014 with interest. And work on other ways to build your credit while you\u2019re repaying the loan from your friend or family member.<\/li>\n<\/ul>\n<p>Even if you don\u2019t have the option of a cosigner right now, you can build your score so you can eventually qualify for a loan and a better interest rate by yourself.<\/p>\n<p><a href=\"https:\/\/www.credible.com\/blog\/author\/jamie\/\"><i>Jamie Young<\/i><\/a><i> contributed to the reporting for this article.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When applying for a loan on your own, you risk getting denied if you have a lower credit score. Some lenders might work with you, but many see a low credit score as risky and&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-explained\/\">Continue reading<\/a><\/p>\n","protected":false},"author":90,"featured_media":63702,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[396,2],"tags":[1499],"class_list":{"0":"post-2213","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-personal-loan","8":"category-refinance-student-loans","9":"tag-student-loan-basics-sidebar","10":"cosigner-explained-3","13":"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>How to Find a Cosigner for Your Student Loans | Credible<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-explained\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Find a Cosigner for Your Student Loans | Credible\" \/>\n<meta property=\"og:description\" content=\"When applying for a loan on your own, you risk getting denied if you have a lower credit score. Some lenders might work with you, but many see a low credit score as risky and&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-explained\/\" \/>\n<meta property=\"og:site_name\" content=\"Credible\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/crediblelabs\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-01-15T15:09:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-26T16:17:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2016\/01\/How-to-Find-a-Cosigner-for-Your-Student-Loans.png\" \/>\n\t<meta property=\"og:image:width\" content=\"708\" \/>\n\t<meta property=\"og:image:height\" content=\"283\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Dori Zinn\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta 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