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I have learned some important things via your post. I would also like to convey that there can be situation that you will apply for a loan and don't need a cosigner such as a Fed Student Support Loan. However, if you are getting that loan through a common bank or investment company then you need to be made ready to have a co-signer ready to assist you. The lenders can base their decision using a few variables but the main one will be your credit rating. There are some lenders that will also look at your work history and come to a decision based on that but in almost all cases it will be based on on your score.