Some graduate students with credit history and work history may consider applying independently, but we highly recommend adding a cosigner in most cases. A cosigner with a strong credit history and sufficient income can improve the likelihood of getting approved and qualifying for a lower interest rate. While many cosigners tend to be parents or relatives of the student, any relation to the student applicant is acceptable. We do require that our in-school graduate loan cosigners meet all our minimum eligibility criteria found here.
If you're considering applying without a cosigner, you'll need to meet our independent student loan eligibility criteria.