Sparrow

Yes, you can get a student loan without a U.S. citizen cosigner.

I am an international student. Can I get a student loan without a U.S. citizen cosigner?

Lenders on Sparrow's marketplace require cosigners to be U.S. citizens or permanent residents.

My cosigner is not a U.S. citizen. Can I still qualify for a student loan?

Can you add more than one cosigner?

You can explore the loan options under your account.

My child is not yet 18. I initiated the Sparrow account to begin reviewing loan options. I intend to cosign the loan. Can I explore loan options under my account, or does my child need to complete the applications with me listed as cosigner?

No, you are not required to have a cosigner to qualify.

Am I required to have a cosigner to qualify?

You can invite your cosigner via email, or sign up your cosigner yourself.

How do I add a cosigner?

No, by completing a cosigner profile, you are inquiring about potential options available from our partner lenders.

Am I accepting an offer of credit by completing the Sparrow cosigner profile?

A cosigner is considered a Sparrow user and therefore subject to Sparrow’s Terms of Use, Privacy Policy, and other applicable policies.

Do the Terms and Conditions still apply to cosigners?

Consider exploring Sparrow’s lending partners that offer non-cosigned loans.

What should I do if I can’t find a cosigner?

There are a number of things to consider before cosigning a loan.

What are some of the things to consider before cosigning a loan?

While there are risks associated with cosigning a loan, it is also an opportunity to improve your credit score.

Is there any benefit to cosigning a loan?

Checking prequalified rates on Sparrow does not affect the cosigner’s credit score.

Will adding a cosigner impact the cosigner’s credit score?

I have received pre-qualified rates, but now I’d like to add a cosigner to see if I can qualify for better terms. What should I do?

Yes, many of Sparrow’s lending partners offer the opportunity for you to release your cosigner.

Can a cosigner later be released from their obligations?

Whether you need a cosigner depends on a variety of factors such as your age and your credit history.

Do I need a cosigner?

A cosigner can be a spouse, relative, parent, or any adult that is a U.S. Citizen or Permanent Resident Alien.

Who can be my cosigner?

Most people want or need a cosigner because they can't qualify for the loan by themselves.

Why would I want or need a cosigner?

A cosigner is someone who agrees to sign onto your loan with you. There are various benefits of having a cosigner.

What is a cosigner?

How much you save with a cosigner depends on their income level, FICO score, and credit history.

How much can I save with a cosigner?

A cosigner could save you thousands of dollars and months of payments.

Why should I include a cosigner?

Yes, Sparrow allows you to check your prequalified rates without impacting either of your credit scores.

I am a cosigner for my child. Can I check out rates without a credit check?

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