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I have learned some important things via your post. I would also like to say that there might be situation in which you will obtain a loan and do not need a cosigner such as a Federal Student Support Loan. However, if you are getting that loan through a standard bank or investment company then you need to be ready to have a co-signer ready to make it easier for you. The lenders will probably base their decision using a few issues but the greatest will be your credit ratings. There are some loan providers that will likewise look at your work history and make a decision based on this but in most cases it will depend on your ranking.