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When you don't have credit rating, you need a cosigner.|You need a cosigner should you don't have credit rating They must have great credit rating and a favorable credit history. {Your attention charges and phrases|phrases and charges will be greater should your cosigner carries a fantastic credit rating credit score and history|history and credit score.|Should your cosigner carries a fantastic credit rating credit score and history|history and credit score, your attention charges and phrases|phrases and charges will be greater How much time can be your elegance time period in between graduation and having to start out paying back your loan? The time period must be half a year for Stafford financial loans. For Perkins financial loans, you might have nine months. For other financial loans, the phrases vary. 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