@twoinanddone and @Madison85 Thanks for the info and link. I knew 20 years ago a parent had to co-sign when when the student was not 18, but did not know the current rules. I absolutely hate loans and encourage my students to attend colleges that do not require loans, that is why I am not very familiar with the current rules surrounding them. Due to privacy concerns, some financial aid offices will not talk to me about my students so I send my students to talk to the financial aid offices about their packages and I have to depend on them to communicate to me what the financial aid office says.