It really depends on the lender and the type of loan programs, but in general, you do need one or two cosigners. However, if you have a good credit, your lender may waive that requirement. Also be aware that having a bad credit could force you to lose your accpetance, but this is the extreme worst case scenario. You should contact your school's financial aid office. Don't just call the office and ask whoever picks up the phone, but make an appointment with a counselor and talk to him or her in person.