Freddy,
It is very common for students to need a co-signer for the loan, it’s a large amount and credit lenders want to ensure that they can get repayment. Sometimes it may be difficult to ask family or another individual to lock their credit score on a large sum amount, this topic has been discussed many times on the forum, here’s one that jumped out at me when I first joined the forum: Financing without Cosigner. I too needed a co-signer, I knew going into my loan application; I got denied and had to negotiate things with the lenders…they have a soft side as well, just be polite with them.
If you have any financial questions, I would direct them to ATP’s Finance team, speak with Kirk, he’s a man of wisdom when it comes to finances and paths to take. 904-595-7946
Brady