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I have learned a few important things through your post.
I'd also like to state that there is a situation in which you
will apply for a loan and don't need a cosigner such as a National Student Aid Loan. In case you are getting
that loan through a regular finance company then you
need to be willing to have a cosigner ready to enable
you to. The lenders may base their own decision using a few
components but the biggest will be your credit standing. There
are some loan providers that will furthermore look at your job history and make a decision based on that but
in almost all cases it will be based on on your score.