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 advanced 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 which have a beneficial cosigner with good or excellent credit could help you qualify for a loan and possibly get a lower interest rate.