It’s more like rob peter to pay Paul. She needs her student loans to pay for her living expenses given that she is homeless w/ $50 to her name. So, if she can get a cosigner, she will be able to get private loans, give donor $1K, and use some to get on her feet and then pay for tuition and other expenses. Me thinks she will be back when you used the money that was for her tuition and runs out. She claims she can get social work so do what most had to do, work through college.