I've learned several important things via your post. I'd personally also like to convey that there will be a situation in which you will apply for a loan and don't need a cosigner such as a U.S. Student Support Loan. However, if you are getting a loan through a regular creditor then you need to be ready to have a co-signer ready to make it easier for you. The lenders can base that decision over a few variables but the biggest will be your credit rating. There are some creditors that will likewise look at your job history and determine based on that but in many instances it will be based on on your rating.

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