In theory it may perhaps be entirely possible to get private student loans without a cosigner, but the reality is that this rarely occurs in the real life considering the fact that most student borrowers have little, to no credit history.
No lender in their right mind will ever approve a student who has no credit history, or bad credit, and this is why a cosigner is needed most of the time for an approval to be handed down. Having a creditworthy cosigner will almost guarantee an approval at the most private lenders,and can hasten the process of applying for a individual student loan by leaps and bounds.
Having a cosigner can also let you to become eligible for the lowest available rate of interest, as most private student loan lenders will conform your rate in accordance with the strength of your application, and particularly your credit position.
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