I've learned some important things via your post. I'd personally also like to say that there may be a situation that you will obtain a loan and don't need a cosigner such as a Federal government Student Aid Loan. In case you are getting a borrowing arrangement through a classic bank then you need to be made ready to have a cosigner ready to assist you. The lenders will base that decision over a few issues but the most important will be your credit score. There are some loan companies that will likewise look at your job history and decide based on this but in many cases it will be based on on your credit score.