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I might also like to mention that there might be situation in which you will apply for
a loan and do not need a co-signer such as a Fed Student Aid Loan. However, if you are getting
a borrowing arrangement through a conventional lender then you need to
be have a co-signer ready to make it easier for
you. The lenders will certainly base that decision over a few components but the largest will be your credit standing.
There are some loan companies that will in addition look at your job history and
determine based on that but in many cases it will depend on your credit score.