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I have learned quite a few important things through your post. I would also like to state that there may be a situation that you will apply for a loan and never need a co-signer such as a Federal government Student Support Loan. However, if you are getting a loan through a standard loan company then you need to be ready to have a cosigner ready to help you. The lenders will probably base any decision over a few variables but the most important will be your credit score. There are some loan companies that will also look at your work history and choose based on that but in almost all cases it will hinge on your scores.