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  1. I’ve learned some important things through your post. I will also like to state that there may be a situation where you will make application for a loan and don’t need a cosigner such as a Federal Student Aid Loan. But when you are getting credit through a regular financier then you need to be able to have a cosigner ready to assist you to. The lenders will base that decision using a few aspects but the greatest will be your credit history. There are some loan providers that will likewise look at your job history and determine based on this but in almost all cases it will hinge on your ranking.