How to find student loans without a cosigner By Jerry Brown Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as "Credible" below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders, all opinions are our own. Some private lenders offer student loans without a cosigner. But they often require you to have good credit and a solid income. (iStock) If you’re an undergraduate student, a student loan may be the first type of loan you apply for. Private lenders typically consider your income and credit to assess whether you can repay your loan — two things you might be short on. So what should you do if you’re missing those key factors? You can apply with a cosigner to increase your approval odds and possibly get a lower interest rate.