Hey there, I am not actually taking the loan, but I am really puzzled why I was approved for a 14% interest rate on a $20,000 loan when my co-signer has a credit score over 800. Could it be because I also used my income to apply? Or maybe because my co-signer is a resident, not a citizen? I’m completely confused about this situation. 
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Was it fixed or variable? The variable will likely be high right now with inflation.
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When my partner was a resident, he always got better rates, and I often had to co-sign with him even though he made good money and had good credit. With student loans, there’s no collateral if you don’t pay, so his credit might not help much if he co-signs.