Do you need a co- signer to get a subsidized or unsubsidize loan?

Answer 1

Technically, every loan is either "subsidized" or "unsubsidized" -- the terms simply denote whether the loan's interest is being paid on the student's behalf.

What I believe you're referring to are the two types of Stafford Loans, which are federal student loans. You do NOT need a co-signer to obtain either a subsidized or an unsubsidized Stafford loan. These loans require no credit check; in fact, your school is prohibited from checking your credit as a condition for offering you these loans. Almost every applicant for federal student aid will be offered some type of Stafford Loan. You simply need to be enrolled at least half-time at your school and not be in default on any federal student loans.

Federal Perkins loans are also subsidized while you are in school and during any deferment periods. These loans, too, require no credit check and, consequently, no co-signer.

Answer 2

When I applied for FAFSA last year I was given a pell grant and was also given the option of taking out a subsidized Stafford Loan with only a part time job. I have no credit and only a part time job and I did not need a cosigner nor was I asked to have someone cosign on the loan for me, so I don't think you will need a cosigner either.