I would like to be able to enter username and password each time as well, but for a slightly different reason.  I run a classroom of ipads for students to login to their accounts.  I'm looking for the right ftp/text editor for these ipads. By leaving out username and password for a server account, students can then supply their particular username and password.  Without that option, I have to create a separate login for each and every student -- even though they are all logging into the same server.  It also means (since under the current system username and password are entered) that any student can login to any other student's account.