I have learned several important things through your post. I might also like to mention that there is a situation in which you will get a loan and do not need a cosigner such as a Federal Student Aid Loan. When you are getting that loan through a classic loan provider then you need to be able to have a cosigner ready to make it easier for you. The lenders are going to base their decision over a few issues but the main one will be your credit score. There are some creditors that will as well look at your work history and make up your mind based on that but in many cases it will hinge on your ranking.