I have learned many important things by means of your post. I would also like to express that there can be situation where you will apply for a loan and never need a cosigner such as a Fed Student Aid Loan. However, if you are getting that loan through a regular bank or investment company then you need to be able to have a cosigner ready to allow you to. The lenders are going to base that decision on a few aspects but the main one will be your credit history. There are some lenders that will also look at your work history and make up your mind based on this but in almost all cases it will depend on your report.

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