Federal loans do not require a cosigner. The other upside is that federal loans are generally better than private loans. The government gives good interest rates, offers deferred payments, etc. The only thing is that you need to qualify for them. In order to do this you need to fill out a FAFSA(Free Application for Federal Student Aid).
You should fill out a FAFSA anyways, because you might get need-based scholarships as well. You will need your mom's help to complete a lot of it, as the federal government bases the need of you on the income of your family. I wouldn't worry about not being offered a Federal Loan. My FAFSA told me that I had to pay $22K a year out of my own pocket (didn't happen), but I still was able to get Federal loans if I needed them.
Here's the url: http://www.fafsa.ed.gov/ Post edited at 9:40 pm on June 2, 2007 by VertHorizon
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