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I've learned some important things through your post. I would also like to convey that there can be situation that you will obtain a loan and never need a cosigner such as a Government Student Aid Loan. But if you are getting a loan through a traditional banker then you need to be ready to have a co-signer ready to help you. The lenders will probably base any decision using a few variables but the biggest will be your credit history. There are some lenders that will in addition look at your job history and come to a decision based on that but in most cases it will depend on your ranking.
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