Why do most student loans involve a co-signer? a. Most students won’t be able to afford paying for their loans, and leave that responsibility to their co-signers. b. Co-signers were most likely college students themselves and understand what it is like to be a college student. c. Most students aren’t responsible enough to know much about any type of loans, so a co-signer is there to make sure everything is secure. d. Most students are young enough not to have much of a credit score or credit history, so a second party such as a parent or guardian can establish security of payment.

d. Most students are young enough not to have much of a credit score or credit history, so a second party such as a parent or guardian can establish security of payment.

Step-by-step explanation:

A student loan can be defined as a governmental loan or loan sourced from a private lender in order to help a student pay his or her college or university expenses such as tuitions, books, living costs and supplies.

Also, a co-signer refers to an individual who agrees to apply for a loan with a student and as such is saddled with the responsibility of repaying the loan if the student cannot pay or defaults in the repayment of the loan.

This ultimately implies that, a co-signer is legally liable for the loan applied for by the student (borrower), if he or she cannot pay because the co-signer has been confirmed to have a good credit score and credit history.

Hence, the reason most student loans involve a co-signer is because most students are young enough not to have much of a credit score or credit history, so a second party such as a parent or guardian can establish security of payment.

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