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I have learned a few important things via your post. I will also like to convey that there is a situation in which you will apply for a loan and do not need a cosigner such as a Government Student Aid Loan. In case you are getting that loan through a standard financier then you need to be ready to have a co-signer ready to allow you to. The lenders will probably base that decision using a few variables but the largest will be your credit score. There are some lenders that will additionally look at your work history and determine based on this but in most cases it will hinge on your score.

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