<prompt> Human: I am an undergraduate college student trying to apply for a 26k student loan for the 2018-2019 year. Classes start August 27th and I need to find a loan ASAP. My Mom, who handles my parents finances, is insisting that my dad cannot cosign until they find a refinancing mortgage loan first. She doesnt want the cosigner credit inquiries to affect my dads credit score while they are shopping for a refinancing mortage loan. Doesnt cosigning my loans and shopping for refinancing mortgage loans fall under the same umbrella of general loan shopping? Dont the credit bureaus ignore multiple credit inquiries from lenders if its done within a two week period? How do I explain this to my Mom?  <response>: Your parents are wise to refuse to sign before going for a mortgage. 