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Usc credit union – student loans municipal credit union (mcu) – new york primarily based not-for-profit economic institution providing to its members low price, higher top quality solutions and solutions exclusively. Private student loans no cosigner: do they exist the private student loan is based on your credit and capability to if you have decided that you are going to apply for a student loan without having a cosigner there are. If you have to take out loans to pay for college — and most students do — it really is significant to have an understanding of all your federal and private student loan solutions prior to you make any choices.