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Funding U is unique in that it doesn't allow students to apply for a loan with a co-signer. � College Ave � Ascent Funding � Earnest � Federal Subsidized and. Need a student loan but don't have a surety? Apply for a student loan backed by us and only repay once you're done with your studies. The best option for student loans for bad credit are federal student loans, which don't require a credit check. Compare bad credit student.