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I have learned quite a few imtanport things by means of your post. I'd also like to state that there may be a situation that you will have a loan and never need a co-signer such as a Federal Student Aid Loan. When you are getting credit through a classic loan service then you need to be able to have a co-signer ready to allow you to. The lenders will base their own decision using a few factors but the greatest will be your credit standing. There are some creditors that will additionally look at your job history and determine based on that but in most cases it will be based on on your rating.