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I have learned a few important things via your post. I will also like to express that there will be a situation where you will have a loan and do not need a co-signer such as a Federal government Student Aid Loan. When you are getting credit through a traditional finance company then you need to be willing to have a co-signer ready to enable you to. The lenders will certainly base their decision using a few variables but the greatest will be your credit history. There are some loan companies that will also look at your work history and come to a decision based on this but in almost all cases it will be based on on your rating.