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I have learned several important things via your post. I will also like to state that there is a situation that you will get a loan and don't need a co-signer such as a Federal government Student Aid Loan. However, if you are getting that loan through a standard banker then you need to be able to have a cosigner ready to assist you to. The lenders may base their decision on the few issues but the largest will be your credit rating. There are some loan providers that will as well look at your work history and make a decision based on that but in almost all cases it will be based on on your credit score.
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