I have learned several important things via your post. I'd personally also like to mention that there might be situation in which you will apply for a loan and do not need a co-signer such as a National Student Aid Loan. In case you are getting a borrowing arrangement through a traditional lender then you need to be made ready to have a cosigner ready to assist you to. The lenders may base their very own decision over a few elements but the largest will be your credit score. There are some creditors that will additionally look at your work history and make up your mind based on that but in most cases it will hinge on your score.