“ I have learned a number of important things by means of your post. I'd also like to express that there might be situation that you will get a loan and never need a co-signer such as a National Student Aid Loan. However, if you are getting financing through a standard loan service then you need to be willing to have a co-signer ready to allow you to. The lenders will base that decision using a few variables but the biggest will be your credit ratings. There are some loan providers that will likewise look at your job history and choose based on that but in many instances it will depend on your scores. ”