I've learned many important things through your post. I'd also like to say that there might be situation in which you will get a loan and do not need a co-signer such as a U.S. Student Support Loan. In case you are getting a borrowing arrangement through a regular lender then you need to be made ready to have a cosigner ready to help you. The lenders will certainly base that decision over a few elements but the most important will be your credit standing. There are some loan companies that will additionally look at your work history and decide based on that but in many cases it will hinge on your ranking.