I've learned some important things through your post. I would also like to mention that there can be situation where you will apply for a loan and don't need a cosigner such as a Federal government Student Aid Loan. When you are getting financing through a classic loan service then you need to be ready to have a cosigner ready to make it easier for you. The lenders will probably base their decision on a few aspects but the main one will be your credit score. There are some lenders that will additionally look at your work history and make up your mind based on that but in most cases it will be based on on your score.