“ I've learned quite a few important things via your post. I will also like to express that there may be situation in which you will obtain a loan and do not need a co-signer such as a Federal Student Aid Loan. However, if you are getting that loan through a conventional financial institution then you need to be ready to have a co-signer ready to help you. The lenders will certainly base their very own decision on the few components but the greatest will be your credit ratings. There are some loan merchants that will additionally look at your job history and make a decision based on that but in most cases it will hinge on your scores. ”