Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Cosigner for student loan? - okay so im trying to apply for the sallie mae smart option loan and i want to get my dad to cosign but he says his credit isnt good because he declared bankruptcy a few years back. but ever since then he's done good things money wise. he completely paid off our house without missing a mortgage payment, has never missed a bill payment or had anything shut off.