“ I've learned a number of important things as a result of your post. I will also like to mention that there might be situation where you will get a loan and don't need a cosigner such as a Federal Student Support Loan. But when you are getting that loan through a traditional loan provider then you need to be willing to have a cosigner ready to enable you to. The lenders will certainly base any decision using a few aspects but the most important will be your credit score. There are some financial institutions that will additionally look at your job history and choose based on that but in many instances it will be based on on your credit score. ”