<prompt> Human: Ive been accepted to medical school and need to take out a personal loan to pay for all of it. My credit is good 729, but Ive been denied and told I need a cosigner. I could get my dad to cosign, but I dont understand why I should need him to. Are there any tipstricks to getting approved for the loan on my own?  <response>: A cosigner means that the lender believes you are unable to pay back what is being loaned. 