Let's say you have a student loan. It's possible that the borrower, cosigner, and student are three different people (Perhaps mom is the borrower, grandma is the cosigner, and I'm the student). Is there a single word that collectively defines our relationship to a loan?
I know that all three parties would be considered authorized parties on the loan, but "authorized parties" is two words, and I'm looking for one.
I know that all individuals are people, but while both "individuals" and "people" are one word, they do not imply an association to a loan (In the context that I'm going for, there are people/parties that aren't associated to loans from a borrower/cosigner/student perspective [i.e. the university/bank that granted the loan, the customer service representative that bugs you about paying back your loan, etc]).
I've also considered using "borrower" for this, but then when being descriptive, you have to say "borrower-borrower" to refer to the actual borrower (meaning not the cosigner or student).
Additional types of people could include a payor, being someone who is authorized to make payments on a loan, but is not necessarily financially responsible for the loan (and is also not already the borrower, cosigner, or student).
With all of these relations in mind, it's difficult to find a word that describes all of these individuals, as not everyone is financially responsible for the loan (i.e payor and student [if not the borrower/cosigner]), and not everyone receives disbursements on the loan (i.e. cosigner and payor), and not everyone makes payments on the loan (i.e. cosigner and student [if not the borrower]).
Right now, the shortest description I can think of is "authorized users", but I'm still not a fan of how long that is.