Can anyone get a student loan under the age of 18?

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1033301

2026-03-23 11:00

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A federal loan does not require a co-signer and the minimum age is 16. The above answer is so incomplete.. Federal loans like Stafford can not fully fund your whole tuition. There are ridiculously low limits (e.g. $2650 for a freshman). I think the question is: How can a entering freshman (age 18) with no credit history or co-signer but who lives with parents (who make a decent salary) get loans to fully fund her entire tuition and living expenses ? The case here is one where parents don't want to co-sign or have responsibility to pay back any loans. Or where the parents are denied because of bad credit. So the child has to do it all on their own without any co-signer. What loans are available for this dependent teenager who on paper doesn't show "financial need" ?

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