I have learned several important things via your post. I'd personally also like to state that there will be a situation that you will have a loan and do not need a cosigner such as a Government Student Aid Loan. When you are getting a loan through a conventional bank then you need to be willing to have a co-signer ready to assist you. The lenders will certainly base that decision on the few aspects but the most significant will be your credit score. There are some loan merchants that will additionally look at your work history and come to a decision based on this but in many cases it will be based on on your credit score.

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