Report Has anyone been denied a LOC in Medical Student General Discussions Posted May 30 On 5/25/2021 at 3:24 PM, DrOtter said: did they tell you why? But yea going with the big banks may be better since they have a specialized system just for professional programs. They could only locate my credit score through one credit bureau, not both - that seems to be part of the issue. They suggested a co-signer but my understanding from literally everywhere else and the school's financial advisor is that I should NOT have to get a co-signer. It seems like ATB is just not a great option for the professional student LOC.