I've learned some ipmtroant things by means of your post. I will also like to say that there will be a situation that you will apply for a loan and do not need a cosigner such as a U.S. Student Support Loan. But if you are getting a loan through a conventional bank or investment company then you need to be able to have a cosigner ready to make it easier for you. The lenders will certainly base their very own decision on the few aspects but the most ipmtroant will be your credit score. There are some lenders that will in addition look at your work history and decide based on this but in many cases it will depend on your report.