According to the Credit Card act of 2009 credit card companies can not extend offers or sign up those who are under the age of 21 without a cosigner. If you do an online search for the Credit Card act of 2009 there are articles that detail it or you can look at the actual public law to read it in legal terms. The section on Young Consumers starts in Section 301 http://www.gpo.gov/fdsys/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf So you can have her try for the student card but every application for credit will put a ding on her credit report and every denial will also put a ding. So I would not apply to too many cards without doing it as a joint card or as a cosigner if your willing to agree to paying the bill if she defaults. I had the same frustration when I first started out, especially with my first car where they said I didn't have enough credit to get a loan for the vehicle. So I had a cosigner and I made my payments on time and showed that I could handle a debt meet my obligations and make payments on time. Then when I went for other forms of credit and for my next vehicle I had better credit. So getting the cosigner helped me build my credit but gave the bank the security of knowing that they would get paid if I couldn't manage the responsibility. So you being a cosigner will only help her establish credit you just have to be sure she can truly handle the responsibility.