How can a student build credit so no co-signer is needed?

Without an income stream, I doubt he can get private loans. If he doesn’t have high enough states for scholarships and you don’t qualify for enough need based aid, then his best route is probably to live at home and attend a CC, and finish at a local 4 year college if there us one. Maybe taking a semester off as needed to earn more. He can take his federal loans ($5500 freshman year). Good summer earnings like construction can help, too.



What are his stats? What is your home state? What does he want to study? Have you run any net price calculators on the school websites?