<prompt> Human: I have the opportunity to get a student loan with or without a co signer for relatively the same interest rate. I was curious, are there benefits to taking out a loan on your own? Does this make you look better to banks, credit bureaus, etc.? Can it have more positive impacts on my credit score?  <response>: There is literally no impact to you from having or not having a cosigner other than interest rates and approval in general. It will look exactly the same on your credit report either way.If you can get a loan without a cosigner at the same rate as with a cosigner, then I would recommend not using the cosigner because theres no need to burden another person with your debt if its not absolutely necessary. 