<prompt> Human: My grandmother has always stepped in to help me out with various things and I am interested in getting a personal loan for textbooks and other small expenses.A little bit of background: Last summer I had an internship and she was willing to pay for my housing for 3 months in Brooklyn.. Needless to say she has helped me out significantly.I unfortunately have been denied by all places for a personal loan without a co-sign since my credit is young and I am 21 with student loans. My primary bank has offered me a loan if I found a co-sign. My primary goal for this loan, and main point is that I need to build credit seeing as I will be graduating in a year.How can I ease the pressure of approaching her? I would also like to show her that my part-time job, paying 11hr is sufficient to pay monthly dues.Thank you for your time  <response>: getting a personal loan for textbooks and other small expenses.If the loan is for textbooksschool expenses, get a student loan. Pay for the rest out of pocket or do without.Dont ask your grandmother to cosign a loan for you. 