I have learned a few important things as a result of your post. I will also like to mention that there can be situation where you will apply for a loan and do not need a co-signer such as a Federal government Student Aid Loan. But when you are getting a borrowing arrangement through a conventional loan company then you need to be able to have a cosigner ready to assist you to. The lenders may base any decision using a few elements but the most significant will be your credit standing. There are some loan merchants that will likewise look at your work history and determine based on that but in many cases it will depend on your scores.