For Health Xpress Loan, the co-applicant only serves to get a lower interest rate. If, for example, you do not have nearly perfect credit, you will not be approved. That means any late payments, etc. If you have any questions about how to fix negative credit, you should try this website:

creditboards.com

Even if you have you have good credit, you might want to check your credit report to see if you will have any anticipated problems.

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SMU SOM: 3rd year
Cores: IM, Peds, Psych, OB/GYN, Surgery (now), FM (Jul?)
Electives: EM (Oct)