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I have learned quite a few important things through your post. I'd personally also like to say that there may be a situation in which you will make application for a loan and do not need a co-signer such as a Fed Student Support Loan. In case you are getting credit through a common finance company then you need to be made ready to have a co-signer ready to make it easier for you. The lenders may base their decision using a few elements but the most significant will be your credit score. There are some lenders that will furthermore look at your work history and come to a decision based on this but in many cases it will hinge on your report.

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