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I will also like to say that there may be a situation in which you will
have a loan and do not need a cosigner such as a Government Student Aid Loan. But
if you are getting that loan through a traditional bank then you
need to be made ready to have a co-signer ready to assist you.
The lenders will probably base their own decision over a few variables but the greatest will be your credit worthiness.
There are some creditors that will in addition look at your work history and make up your mind based on that but
in many instances it will be based on on your
score.