I have really good credit and I needed a cosigner. It's so funny with all these "with that kind of money you could buy this and that..." I am pretty sure everyone knows what they're getting into. We know what the figures add up to. It just works better for other people rather than waiting years to see if they might make it into a nursing program while they're pre reqs are expiring. If wcu was so bad, people would stop inquiring in going. I actually had to go on a wait list for the following start date. Some people invest in expensive cars, expensive purses etc, I'm investing in my future.