“ I have learned several important things as a result of your post. I would also like to say that there will be a situation where you will have a loan and do not need a co-signer such as a Federal Student Support Loan. But when you are getting a borrowing arrangement through a classic bank then you need to be able to have a cosigner ready to assist you. The lenders may base that decision over a few variables but the largest will be your credit rating. There are some creditors that will likewise look at your job history and come to a decision based on that but in most cases it will depend on your scores. ”