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Cosigners help students to qualify for student loans. Still, most of the students want to apply for student loans without a cosigner. Federal loans require no co-signer. So, you can consider the help of government.

If you need a private student loan, you should improve your credit history as private lenders can provide loans without a cosigner if your credit score is outstanding. The most important factor is a payment history. It shows whether you are responsible when it comes to finances. Payment history shows how you paid off your bills (on time, in full).

The statistic shows that in 2016 more than 40% of graduate students managed to get student loans without a cosigner. Only 6% of undergraduate students got an approval. Your approach to credit and debts are the decisive factor if you need a loan without a co-signer.

In order to build a good credit, you can apply for a secured credit card. The secret of the outstanding credit lies in holding a total usage at 30% or less of the credit limit and paying off all purchases each month.