>You are expected to pay student loans based on future income Sure. Let's go with that. Even under that assumption, there are multitudes of reasons why a bank

>You are expected to pay student loans based on future income Sure. Let's go with that. Even under that assumption, there are multitudes of reasons why a bank would require cosigners, all coming down to you being a risk factor. For example, your grades may be low (risk of not graduating), you may be choosing an expensive art college with high tuition, or a degree wit no guarantee of reasonable income. Again, loans are not gifts. You do not do anyone a favour by giving them a loan they cannot afford.