I have learned a number of important things as a result of your post. I might also like to say that there is a situation that you will apply for a loan and don’t need a cosigner such as a Federal Student Support Loan. In case you are getting a loan through a conventional bank or investment company then you need to be prepared to have a cosigner ready to assist you. The lenders will base their very own decision on the few components but the main one will be your credit ratings. There are some loan merchants that will in addition look at your work history and decide based on that but in many instances it will depend on your scores.