I have learned a few important things through your post. I'd also like to say that there is a situation in which you will get a loan and never need a cosigner such as a Fed Student Aid Loan. However, if you are getting a loan through a traditional bank or investment company then you need to be ready to have a co-signer ready to enable you to. The lenders are going to base any decision over a few aspects but the main one will be your credit ratings. There are some lenders that will additionally look at your work history and come to a decision based on that but in almost all cases it will hinge on your credit score.