“ I've learned several important things through your post. I might also like to mention that there will be a situation that you will have a loan and don't need a co-signer such as a U.S. Student Aid Loan. However, if you are getting that loan through a common loan service then you need to be able to have a cosigner ready to allow you to. The lenders are going to base that decision using a few components but the main one will be your credit score. There are some financial institutions that will likewise look at your job history and determine based on that but in many instances it will depend on your report. ”