If a student doesn’t qualify, can they re-apply with a co-borrower? Eva June 04, 2019 21:00 Updated Yes. Related articles Does applying for a Climb loan negatively affect the applicant’s credit score? How long does the application process take? Do you offer financial aid? What will average payments look like for students? Can students taking courses online apply for a Climb loan? Comments 0 comments Article is closed for comments.