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Make sure you bring in: Since loans operate on fast basis, they donât have too many requirements or restrictions for applicant eligibility. You just need to be at least 18 years old, have a bank account that allows direct deposit, receive some type of income on a regular basis, and be a legal citizen of wherever you live. Check the online application for more details on what kind of information they need. A: Federal student aid loans do not require a cosigner and they are easily available as well. Universities and some charitable organizations also offer need and merit based scholarships and grants. These do not have to be repaid. You can as a last resort look for alternative student loans if you have a good credit history, however they have variable interest rates and strict repayment plans.
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