“ I have learned some important things by means of your post. I will also like to convey that there may be a situation that you will have a loan and never need a co-signer such as a Government Student Support Loan. But if you are getting credit through a common creditor then you need to be able to have a co-signer ready to help you. The lenders may base their own decision over a few aspects but the biggest will be your credit worthiness. There are some lenders that will in addition look at your job history and decide based on this but in many instances it will hinge on your scores. ”