<prompt> Human: Im about 1000 short of paying off my first year of college and Ive tried to apply for as many loans as I can find but they all require cosigners and both of my parents have 0 credit. Granted I also have no credit having just turned 18, but I have no one else to cosign. So are there any lenders who do not require cosignerscredit?  <response>: Have you talked to the financial aid dept at your college? My parents also had no credit when I was in school. They had to apply for the parent plus loan, get denied, and then I could apply for a personal extension. Never had a cosigner, and I got enough to get through 4 years. Your finance department can help you through the process. 