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I've learned a number of important things through your post. I would also like to say that there may be a situation that you will get a loan and never need a co-signer such as a National Student Support Loan. But if you are getting financing through a regular loan provider then you need to be willing to have a co-signer ready to enable you to. The lenders can base that decision on the few components but the main one will be your credit ratings. There are some loan providers that will as well look at your work history and determine based on this but in many instances it will depend on your scores.

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