I'd like to qualify for a mortgage in a couple of months, and have two children in college. The Federal PLUS loan (that would be in my name) has better rates and terms, but I wonder if we should instead apply for a private loan in my child's name where I would have to be the co-signer. When applying for a mortgage, would my being a co-signer on a loan have a similar effect to having the loan in my name? Thanks for any help.