I have learned a number of important things through your post. I will also like to convey that there will be a situation where you will obtain a loan and never need a co-signer such as a Fed Student Support Loan. But when you are getting that loan through a conventional financial institution then you need to be willing to have a co-signer ready to allow you to. The lenders will certainly base their decision using a few elements but the greatest will be your credit rating. There are some loan merchants that will in addition look at your job history and make a decision based on this but in almost all cases it will depend on your report.