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Students attending college at least half-time can apply for in-school deferment. This option is sometimes available to post graduates who have entered into college loan consolidation. In-school deferment is only available to students enrolled in or graduated from accredited schools and cannot be used for online education tuition.

Lenders may require borrowers to submit a financial letter of hardship which explains the circumstances causing them to require a loan deferment. Hardship letters are usually required with federal student loans and real estate transactions such as loan modifications.

Start your research today and trust me, you will find one or the other lender who will be able to give you a loan without your co-borrower. Please note that having or not having a co-borrower for your loan is subject to the credit history of your co-borrower. If he has a good credit history, you would not mind getting him on-board for signing the loan agreement. Think twice if it is otherwise.

To stay clear of any legal involvement, both parties concerned must comply and honor all agreements made. Since the loan agreement serves as a contract and legal documentation, a violation of the terms and agreements can lead to a legal case and the written agreement can function as proof in court.

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