April 17th, 2011 | 
Author: Young Americans are taught from elementary school on up that going to college is the right thing to do. But the decision of Whether Or Not to apply for college should put upon one simple question – is it worth it?
If someone else – parents, a scholarship association – is footing the bill, then the answer is absolutely yes. If the only way to pay the tuition is by taking out a student loan, the answer is no
Too many Americans are up to their eyeballs in debt they racked up while attending college. Adult that’s a terrible way to start out in life as. Plenty of college debt-free graduates are struggling to start their careers in this economy, and those who owe thousands of dollars are even worse for the wear.
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When a student is preparing to go to college, one of the biggest questions often becomes, with what money. Some parents scrimp and save for years for their children’s college fund; others address more immediate concerns as their children grow up and fall short when the time comes. Some students may have some of the money to pay for college, while other have little to nothing. The most popular ways to cover the costs are through scholarships and grants, because the money does not have to be repaid. When this is not an option or it is not enough, a student loan may be an alternative. Sometimes the student can accept the responsibility of borrowing and paying back a college loan; sometimes, however, they can’t. Either way, the student’s parents, grandparents or legal guardian may consider cosigning on the loan.
Terms
When someone cosigns with someone else, they agree to take responsibility for the loan if the primary borrower fails to make payments on time and in full. Depending on the financial stability of the potential cosigner and the trustworthiness of the student, there may or may not be anyone willing to cosign the loan. In some cases, the person does not have stellar credit and does not want to put it at further risk. In other cases, they may not have the financial abilities to agree to another payment should it be necessary. When they do agree to cosign, the complexion of the loan changes; sometimes dramatically.
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