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I have learned a number of important things as a result of your
post. I'd personally also like to convey that there is
a situation in which you will get a loan and never need a cosigner such as a
National Student Support Loan. In case you are getting
a loan through a regular bank or investment company
then you need to be prepared to have a co-signer ready to
make it easier for you. The lenders are going to base their own decision on a few issues but the most important will be your credit score.
There are some creditors that will also look at your work
history and decide based on that but in most cases it will be based on on your rating.