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I have learned a number of important things as a result of your post. I'd also like to state that there might be situation in which you will get a loan and do not need a cosigner such as a Fed Student Aid Loan. But if you are getting that loan through a standard lender then you need to be able to have a co-signer ready to allow you to. The lenders are going to base that decision over a few factors but the greatest will be your credit rating. There are some lenders that will in addition look at your work history and make a decision based on this but in most cases it will depend on your score.
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