Do you require or accept co-signers for Student Loans? February 24, 2020 23:10 Yes. While adding a co-signer is not required, it may help you qualify for a loan or a lower interest rate. Related articles How do I add a cosigner to my loan? Do I need a cosigner? What are the benefits to having a cosigner? How do I add a co-signer after submitting my application? How long will adding a co-signer to my loan take? What are the advantages and disadvantages of adding a co-signer to my loan?