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It is an unsaid rule in the world of loans that one needs a co-signer to ensure that the student loan gets approved. That said, it does not mean that you would not get loans if you do not have a co-signer to sign on your agreement. There are some lenders in the market who would offer loans to you with you having to worry about the co-signer.
"Investment banks" create loan agreements that cater to the needs of the investors whose funds they attempt to attract; "investors" are always sophisticated and accredited organizations not subject to bank regulatory supervision and the need to cater to the public trust. Investment banking activities are supervised by the SEC and their main focus is on whether the correct or proper disclosures are made to the parties who provide the funds.
If you have high repaying capacity, then it is advisable that you opt for less number of years for repaying the loan as it will reduce the overall burden of the interest. Though you are ready for repaying the loan as quickly as possible, but if you miss to mention this in the loan agreement, it would be tough to alter once the application is processed by the organization that is lending you the money.
It is best to obtain a real estate forbearance agreement when deferring mortgage payments. Forbearance agreements prohibit lenders from commencing with foreclosure action unless borrowers' default on the contract. This is of particular importance when obtaining mortgage deferment to prevent foreclosure.