If I want to apply for a loan on my own without including my parents as co-applicants, is that possible in UK/Ireland?

Yes, you may be able to apply for an education loan without including your parents as co-applicants, but this depends on the country and the specific loan policies.

- UK: You can be assessed as an independent student (without your parents' income) if you meet criteria such as being 25 or older at the start of the academic year, having supported yourself for at least 3 years, or having no living parents.
- Ireland: You must be 23 or older on January 1 of your first academic year and have lived independently from your parents since the previous October, with proof required.
- New Zealand: Eligibility for independent loans is subject to specific criteria and may vary; details are determined by StudyLink.

Loan rules and eligibility criteria are subject to change.