Most lenders look at your credit score and income to determine the interest rate on your student loan.

If you don’t have a strong credit history or income, you may want to consider applying with a cosigner to improve your chances of qualifying for loans with better terms and lower interest rates.

If you don’t have a cosigner, don’t worry. Sparrow has partnered with several lenders that still offer competitive interest rates for borrowers without cosigners. Complete the two-minute Sparrow application to see what you qualify for.