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If you don't have credit rating, you require a cosigner.|You need a cosigner if you don't have credit rating They have to have excellent credit rating and a good credit history. {Your interest rates and conditions|conditions and rates will likely be greater when your cosigner features a fantastic credit rating rating and history|history and rating.|If your cosigner features a fantastic credit rating rating and history|history and rating, your interest rates and conditions|conditions and rates will likely be greater The length of time is the grace time period involving graduating and getting to get started on repaying the loan? The time period must be half a year for Stafford financial loans. For Perkins financial loans, you may have nine weeks. For other financial loans, the conditions vary. Bear in mind particularly when you're meant to start paying, and try not to be delayed. 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