<prompt> Human: Sorry if this is the wrong place to ask this but I need some help. Im taking out a Discover Undergraduate student loan and they said Im eligible for it after checking my credit687 but they said that I need a co-signer. The problem is that I have no their relatives but my mom and Dad. Both of them have bad credit but my dad has been building his up and was able to take out a Parent Plus Loan last year. He was forgiven from that loan but theres a three year period where he is not allowed to take out any loans under his name. I wanted to know if he could still co-sign mine or not. If not, should I even try having my mom co-sign or is it not worth it? Finally, any advice on what I should do? Because if they both cant sign it then I doubt theres any loan I could get as I would have no eligible co-signer. Thank you guys in advance for the advice.  <response>: Im eligible for it .. but they said that I need a co-signer.This is how a lender says you are not eligible for a loan. They are saying they have money, and theyd be glad to lend it to someone else; just not to you. 