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I have learned a few important things through your post.
I would also like to express that there may be situation where you will have a loan and never need
a co-signer such as a Fed Student Aid Loan. When you are getting
a loan through a classic loan service then you need to be willing to have a co-signer ready to assist you.
The lenders can base any decision using a few factors but the most significant will be your credit score.
There are some financial institutions that will in addition look at your job
history and come to a decision based on that but in many cases it will hinge on your ranking.