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7 Stuff you should know about Cosigning a student-based loan | When you need it step one. Cosigners are often you'll need for private college loans financing Individual college loans was borrowing-based; the financial institution (a bank otherwise borrowing commitment) reads an excellent borrower's credit score, along with other points, ahead of they provide currency. Government undergraduate college loans commonly borrowing from the bank-based; they've been made from all the information both you and your student submit within the the fresh Free Application getting Government Student Aid (FAFSA). Keep in mind that government As well as Money to have moms and dads and graduate youngsters create ensure it is a cosigner. dos. A loan provider discusses a good borrower's credit score to search for the number of exposure When a…