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Taking this concept a step further, credit scoring agencies issue credit reports that assign individuals a number (from 300 to 850). That number is used by banks, credit cards and other financial businesses to assess your creditworthiness -- how likely you are to repay a loan. [link widoczny dla zalogowanych] Do you just need a small advance against your pay to tide you over? A co-signer is someone willing to act as your responsible co-borrower. When someone lends their positive credit rating to your educational cause, you are both equally responsible for repaying the loan. The lender doesn’t care who makes the payments, but if you default on the loan, your co-signer’s credit will be negatively impacted.

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