Since most aspiring college students have minimal or nonexistent credit histories, they often look for loans with no credit requirements.  While this sounds like a good strategy, the reality is that most private student loans entail some sort of credit check; more often than not, these lenders will also require borrowers to have someone cosign their loan.  Even if you are lucky enough to find a private lender who does not request a cosigner, you will still probably be subject to different terms and much higher interest rates than someone who has a cosigner or a better credit history. […]