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Finding a student loan that requires no cosigner or credit check is not as hard as you may think. Federal student loans dont require either. These loans are need-based, so if you simply demonstrate a need for financial assistance you will be considered eligible. To apply for federal student loans, fill out a FAFSA form online. [link widoczny dla zalogowanych] Yes, most of the loans that require no credit check are federal student loans. These loans are funded, and sometimes subsidized, by the federal government and are designed to make education affordable for everyone. No matter how underprivileged a student is, he or she can apply for these loans. The main advantage of federal student loans is that they are easy to apply for and have a low rate of interest when compared to private alternatives. I will definitely tell my son about this experience so that he understands that none of us travel through this life alone. There are always angels along the way.