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I have learned some important things as a result of your post. I'd also like to mention that there will be a situation where you will make application for a loan and do not need a cosigner such as a Federal Student Aid Loan. But if you are getting credit through a traditional loan provider then you need to be able to have a co-signer ready to assist you to. The lenders can base that decision using a few factors but the most significant will be your credit worthiness. There are some lenders that will likewise look at your work history and decide based on that but in many instances it will be based on on your report.