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When you don't have credit score, you will need a cosigner.|You want a cosigner should you don't have credit score They need to have great credit score and a favorable credit history. {Your attention rates and conditions|conditions and rates will probably be greater if your cosigner includes a great credit score score and history|history and score.|When your cosigner includes a great credit score score and history|history and score, your attention rates and conditions|conditions and rates will probably be greater How much time is the sophistication period of time involving graduation and achieving to get started on repaying the loan? The period of time should be six months time for Stafford lending options. For Perkins lending options, you may have 9 weeks. For other lending options, the conditions fluctuate. 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