Do you need a father to help you cosign an educatonal loan? Since most private student loan lenders require a cosigner, it may be difficult for you to get a private loan if you don’t have one. To qualify for a private loan without a cosigner, you’ll likely need good to excellent credit (a minimum credit score of 670) and must meet any income requirements set by the lender. If you have bad credit or minimal credit history, applying having an effective cosigner with good or excellent credit could help you qualify for a loan and possibly get a lower interest [...]