I have learned some important things by means of your post. I will also like to say that there can be situation that you will get a loan and do not need a co-signer such as a Government Student Aid Loan. In case you are getting financing through a conventional creditor then you need to be ready to have a cosigner ready to allow you to. The lenders are going to base their own decision using a few elements but the biggest will be your credit worthiness. There are some financial institutions that will additionally look at your work history and decide based on this but in many cases it will hinge on your credit score. Jordain Tedman Glad