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The cosigner doesn’t have to be a relative; he or she can be any adult who meets the eligibility requirements.

Most borrowers will need a cosigner for this loan to meet credit, employment, and debt-to-income requirements.

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When you consolidate multiple student loans or refinance a single student loan, you may receive a lower monthly payment with a reduced interest rate or an extended repayment term.Calculate how to potentially pay less interest on your student loan: Student Loan Interest Calculator Calculate the monthly payments on your private student loans: Student Loan Repayment Calculator If you’re a borrower with little or no credit history, or you have limited income, a cosigner may help you to qualify for this loan and potentially receive a lower interest rate.A cosigner is someone who shares responsibility with the borrower for repaying the loan.The responsibility to manage and maintain student loans accrued during the diploma-seeking venture can sometimes become overbearing.More often then not, a college graduate will exit school with more then one loan.

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