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? What will average payments look like for students? What payment options are provided? Does the Product Management certificate give me a better chance to get a job? Comments 0 comments Article is closed for comments.