I have learned a number of important things via your post. I might also like to express that there might be situation that you will have a loan and don't need a co-signer such as a Government Student Aid Loan. But if you are getting credit through a regular loan provider then you need to be able to have a co-signer ready to allow you to. The lenders will certainly base that decision on the few issues but the main one will be your credit rating. There are some financial institutions that will additionally look at your work history and determine based on this but in many instances it will depend on your credit score.