“ I have learned a number of important things through your post. I'd also like to convey that there may be a situation that you will get a loan and never need a co-signer such as a U.S. Student Support Loan. However, if you are getting financing through a classic creditor then you need to be willing to have a co-signer ready to assist you. The lenders can base that decision using a few components but the most significant will be your credit ratings. There are some loan companies that will likewise look at your work history and make a decision based on this but in almost all cases it will hinge on your score. ”