“ I have learned a few important things through your post. I might also like to say that there is a situation where you will obtain a loan and don't need a cosigner such as a National Student Support Loan. When you are getting that loan through a conventional creditor then you need to be prepared to have a cosigner ready to help you. The lenders may base their decision on the few issues but the largest will be your credit score. There are some loan companies that will additionally look at your job history and determine based on this but in many instances it will be based on on your report. ”