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I've learned a number of important things as a result of your post. I will also like to express that there might be situation in which you will apply for a loan and never need a cosigner such as a Fed Student Support Loan. In case you are getting a loan through a traditional loan service then you need to be able to have a co-signer ready to assist you. The lenders will certainly base their very own decision on a few elements but the biggest will be your credit worthiness. There are some creditors that will additionally look at your job history and make up your mind based on this but in most cases it will be based on on your rating.
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