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I’ve learned a number of important things via your post. I would also like to say that there is a situation in which you will obtain a loan and never need a cosigner such as a Federal Student Aid Loan. However, if you are getting that loan through a conventional finance company then you need to be made ready to have a co-signer ready to allow you to. The lenders can base that decision over a few aspects but the greatest will be your credit history. There are some financial institutions that will furthermore look at your job history and determine based on that but in most cases it will be based on on your scores.
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