I have learned many important things as a result of your post. I would also like to express that there may be situation that you will have a loan and don't need a co-signer such as a Federal government Student Support Loan. However, if you are getting that loan through a classic lender then you need to be ready to have a co-signer ready to assist you. The lenders are going to base their very own decision on a few components but the most important will be your credit score. There are some loan merchants that will likewise look at your job history and choose based on that but in many cases it will be based on on your scores.