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I have learned some important things via your post. I might also like to state that there will be a situation where you will apply for a loan and never need a co-signer such as a National Student Aid Loan. But if you are getting that loan through a classic loan company then you need to be prepared to have a cosigner ready to assist you to. The lenders will certainly base their very own decision using a few variables but the most significant will be your credit standing. There are some loan providers that will also look at your job history and choose based on this but in almost all cases it will be based on on your credit score.