I've learned a number of important things via your post. I will also like to mention that there may be a situation where you will apply for a loan and never need a cosigner such as a Federal government Student Support Loan. In case you are getting credit through a classic lender then you need to be able to have a co-signer ready to make it easier for you. The lenders can base their own decision using a few aspects but the main one will be your credit ratings. There are some lenders that will also look at your work history and decide based on this but in many cases it will hinge on your scores.

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