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How to get Student Loans Without Parents in 2023


There are ways to get student loans without parents in 2023, and in this blog post, we will explore the various ways.

Do you have a strong desire to pursue your desired education but are unsure about obtaining student loans without your parents’ help? There are several options available in 2023 that can help you finance your education independently.

How to get Student Loans without Parents

To obtain a student loan without parental support, you must either qualify as an independent student or seek alternative means to finance your education.


Getting qualified for a loan may pose a challenge, but securing an independent student loan is still possible. By completing the FAFSA, maintaining communication with your school’s financial aid department, and considering private loans, you can obtain student loans without requiring parental involvement.

This guide will provide a detailed explanation of the process for securing student loans without relying on parental assistance.

We will cover all the necessary steps, giving you the information and confidence to start your educational journey.


Read Also: How to get Rid of GoGuardian as a Student in 2023

What are Student Loans?

Student loans are a type of loan designed to help students pay for the costs of post-secondary education, such as tuition, books, and living expenses. Student loans can be obtained from the federal government, private lenders, or a combination of both.

Federal student loans are typically more affordable and have more flexible repayment options than private student loans. However, there are limits on how much you can borrow on federal student loans each year.


Private student loans can be used to fill the gap between your financial aid and the cost of attendance. However, private student loans typically have higher interest rates and less flexible repayment options than federal student loans.

What are the Different Types of Student Loans Available?

There are two main types of student loans: federal and private.

  • Federal student loans are offered by the government and have lower interest rates and more flexible repayment options than private student loans.
  • Private student loans are offered by banks and other financial institutions and typically have higher interest rates and less flexible repayment options than federal student loans.

Is it Possible to get Student Loans Without Your Parents?

Your ability to obtain student loans without parental involvement is determined by your specific circumstances and the specific type of loan you are seeking.

  1. Federal student loans: There are situations where students are not required to include their parent’s financial details when filling out the FAFSA. This applies to independent students or those who meet specific special circumstances. Even if your parents assist you with the FAFSA, they will not be held accountable for any federal loans you take out in your name. As a result, you are solely responsible for repaying the loans, including any accrued interest.
  2. Private student loans: Private student loans are often co-signed because undergraduate college students usually do not have enough credit or income to qualify for them. Although there may be instances where you can obtain a private student loan without your parents, it is important to be aware that you will be solely responsible for repaying any borrowed funds through private loans.

How to get Student Loans without Parents in 2023

How to get Student Loans without Parents

Many students face a significant hurdle when it comes to paying for college, particularly if they don’t have the financial backing of their parents. However, if you find yourself in this situation, there is no need to lose hope. There are alternative methods available for obtaining student loans without relying on your parents.

In this blog post, we’ll walk you through the process of getting student loans without your parents, step-by-step.

As I earlier stated, you can either get it via federal student or private student loans; however, prioritize federal student loans over private loans as they offer borrower protections and do not have strict credit requirements, unlike private loans. It is recommended to consider both subsidized and unsubsidized federal loans first.

To apply for student loans without your parents, you will need to complete the Free Application for Federal Student Aid (FAFSA). The FAFSA is used to determine your eligibility for federal student aid, including grants, loans, and work-study programs.

When completing the FAFSA, you will need to select the option “I am unable to provide information about my parent(s).” You will also need to provide documentation to support your independent student status. This documentation may include:

  • A copy of your tax return
  • A copy of your marriage certificate or divorce decree
  • A copy of your birth certificate
  • A letter from your school’s financial aid office

Also See: How long does it take to get a Student Loan in Nigeria in 2023?

What are the Eligibility Requirements for Student Loans without your Parents?

To be eligible for student loans without your parents, you must be considered an independent student. This means that you must meet one of the following criteria:

  • You are at least 24 years old.
  • You are married.
  • You have a child or other dependent.
  • You are a veteran.
  • You are an orphan or ward of the court.
  • You are homeless or at risk of being homeless.
  • You have an abusive family environment.
  • You have been declared legally emancipated from your parents.

How to tell if you’re a Dependent or Independent Student

When you are a dependent student, your financial aid is usually determined by the U.S. Department of Education based on your parent’s income, even if your parents are not willing to financially support your college education.

Graduate and professional degree-seeking students are automatically classified as independent, whereas undergraduate students must meet the eligibility criteria specified by the Department of Education to be deemed independent.

If you meet any of these requirements, you may be classified as an independent student and will not be required to provide your parent’s income information.

  • You’re at least 24 years old on January 1 of the year you’re applying for financial aid.
  • You’re married or separated.
  • You’re working on a master’s degree or doctorate program.
  • You’re a veteran of the U.S. armed forces, or you’re on active duty for purposes other than training.
  • You have children or dependents who receive more than half of their support from you during the award year.
  • Since you turned 13, both of your parents are deceased, you were in foster care, or you were a dependent or ward of the court.
  • A court has determined that you’re an emancipated minor or that someone other than your parent or stepparent has legal guardianship of you.
  • You’re experiencing homelessness or at risk of experiencing homelessness.

How to Apply for Federal Student Loans as an Independent Student

To get a federal student loan without a parent, provide financial information for only yourself on the FAFSA form.

You will need the following documents when filling out the form as an independent student:

  • Social Security card.
  • State-issued ID, such as a driver’s license.
  • Most recent W-2 forms
  • Most recent federal income tax return.
  • Most recent bank statements

How to Apply for Federal Student Loans as a Dependent Student

Students who are dependent will be required to provide the mentioned documents along with their parents’ income paperwork. However, if you don’t have these details, there are still options available. Although filling out the FAFSA form is necessary to receive federal financial aid, it might be possible to apply without your parents’ information. You have two potential choices in this situation.

How to get Private Student Loans without a Parent

In cases where federal student loans, scholarships, and grants are insufficient to cover your educational expenses, private student loans can be a viable alternative to bridge the gap. However, obtaining approval for private student loans can be challenging, as they typically require borrowers to have an established credit history or a co-signer. Nonetheless, there are a few alternatives available.

#1. Request a Relative to co-sign the Loan

In case your parents are no longer with you or refuse to co-sign a private student loan, you have the option to request a different family member or a trustworthy friend to sign the loan papers. The criteria for eligibility differ depending on the lender and the specific loan you wish to acquire; however, typically, the co-signer must possess a reliable income source and a favorable credit rating to meet the requirements.

If you are unable to make the loan payments, the co-signer will agree to assume responsibility for them; therefore, they should have enough flexibility in their budget to accommodate this situation.

#2. Look out for another Lender that doesn’t require a co-signer

Certain private lenders do not necessitate a co-signer for individuals with limited credit histories. Instead, they take into account aspects such as academic achievements and potential income in the future.

As an example, Ascent and Funding U specifically cater to students who do not have a co-signer. They provide private student loans based on criteria such as GPA, school, program, expected graduation date, and chosen major.

#3. You might want to Increase your Credit Score

Students with strong credit and a stable income may be able to secure loans from bigger lenders even without a co-signer. If you have a low credit score or a limited credit history, there are ways to enhance it. Follow these steps to improve your credit score.

  • Obtain a credit card. If you have income or someone willing to co-sign, you might be eligible for a student credit card. By using the card responsibly, such as maintaining a low balance and making timely payments, you can begin to establish good credit. If you already possess a credit card and have a favorable credit score, think about acquiring another card to raise your credit limit while keeping your credit utilization low.
  • If you are not currently eligible for a credit card, you can try becoming an authorized user on someone else’s account. You can ask a friend or family member with a good credit history to add you to their account. This will allow their positive credit activity to be reflected on your credit reports and potentially boost your credit score. However, it is important to be responsible for your payments, as any missed payments will hurt the primary account holder’s credit score.
  • Include additional information in your credit report by adding your rental or utility payments, which could potentially increase your credit score if paid on time.

Advantages and Disadvantages of Taking Student Loans Without Parents

If you are considering obtaining a student loan without assistance from your parents, it is important to consider the advantages and disadvantages.


  • Might be eligible for more aid: Independent students tend to receive more financial aid and federal loans compared to dependent students.
  • Not relying on others: For some students, asking for their parent’s information could feel burdensome. While it might require more legwork to qualify without one of your parents, getting a student loan without them means you aren’t relying on someone else.


  • Harder to qualify: If you aren’t an independent student and don’t have sufficient credit history or income, you could have a hard time getting federal or private student loans without your parents.
  • Could end up with a higher interest rate: If you don’t have good or excellent credit, you’ll likely end up with a higher interest rate if you take out a private student loan on your own.

Alternative Funding Options If You Can’t Get a Student Loan

If you are facing difficulties obtaining a student loan without the support of your parents, there are some choices to contemplate.

  • Scholarships: College scholarships are a beneficial means of paying for school as they do not require repayment, unlike student loans. There is a diverse range of scholarships accessible to students from different backgrounds, such as those based on financial need, academic achievement, athletic ability, or factors like ethnicity or chosen field of study. Common sources of scholarships include local and national businesses, non-profit organizations, and professional associations.
  • Grants: Grants, much like scholarships, provide free funds that can be utilized for educational expenses. You may be eligible for federal, state, or private grants, including those provided by your educational institution or non-profit organizations. It is important to note that there is no maximum limit to the number of scholarships and grants you can receive; therefore, it is advisable to apply for as many as possible.
  • Emergency student loans: Certain educational institutions offer temporary loans to students who are currently enrolled and are experiencing an unexpected situation, such as the loss of a family member or financial difficulties. If you find yourself in a similar predicament, it is advisable to reach out to your school’s financial aid office to inquire about the availability of such loans and the application process. If your school does not provide emergency student loans, it is still possible that your financial aid office may have alternative options to assist you in meeting your financial obligations.

What are some tips for getting Approved for Student Loans without your Parents?

Here are some tips for getting approved for student loans without your parents:

  • Start early. The earlier you start the loan application process, the more time you will have to gather all of the required documentation and find a cosigner if necessary.
  • Build your credit history. A good credit history will make you more attractive to lenders and help you get a lower interest rate on your loan.
  • Get a co-signer. If you have a good credit history but still don’t qualify for a loan on your own, you may be able to get approved with a cosigner. A cosigner is someone who agrees to repay the loan if you default.
  • Shop around. Compare interest rates and repayment terms from different lenders before you choose a loan.


Getting student loans without your parents can be challenging, but it is possible. By following the tips above, you can increase your chances of getting approved for a loan and getting the funding you need to achieve your educational goals.


Can I get federal student loans without parental information?

It is possible to obtain federal student loans without parental information by completing the FAFSA as an independent student. To qualify, certain conditions must be met, including being 24 years of age or older, married, a graduate student, or a veteran, among other requirements.

Do I need a cosigner for private student loans?

It is not always the case. Certain private lenders provide loans without requiring a co-signer, although you will probably need a strong credit history and a steady source of income to be eligible.

What should I do if my parents refuse to cosign a loan?

If your parents refuse to cosign a loan, you can explore federal student loans, scholarships, grants, or private loans that don’t require a co-signer.

Are there repayment options for student loans without parents?

Federal student loans provide diverse repayment schemes, such as income-based repayment, that can facilitate easier payments. Private lenders also present a range of repayment alternatives.



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