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Does the lender have a physical address for their company? Choose the âRequest Extensionâ link. Do you just need a small advance against your pay to tide you over? A: For private loans, if you have a good credit record, then you do not need to have a cosigner. To avail federal loans, a student only has to fill the FAFSA form that is available online. These loans are given to students considering their academic performance or on financial need basis. It is always advised to apply for them first, before opting for private loans.
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