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You should know that personal personal loans call for credit checks. If you don't have credit score, you require a cosigner.|You will need a cosigner should you don't have credit score They should have very good credit score and a good credit record. {Your interest charges and terms|terms and charges is going to be better should your cosigner includes a excellent credit score score and record|past and score.|When your cosigner includes a excellent credit score score and record|past and score, your interest charges and terms|terms and charges is going to be better How much time can be your grace period in between graduation and having to begin paying back your loan? The period needs to be 6 months for Stafford personal loans. For Perkins personal loans, you possess 9 months. For other personal loans, the terms differ. 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