“ I have learned many important things through your post. I would also like to express that there will be a situation that you will apply for a loan and don't need a co-signer such as a Federal Student Support Loan. In case you are getting financing through a standard loan company then you need to be ready to have a cosigner ready to assist you to. The lenders will probably base any decision on the few components but the greatest will be your credit rating. There are some financial institutions that will also look at your job history and decide based on this but in many instances it will depend on your rating. ”