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I've learned a few important things through your post. I'd also like
to convey that there is a situation that you
will obtain a loan and don't need a co-signer such as
a Federal Student Aid Loan. But if you are getting
a borrowing arrangement through a regular finance company then you need to be ready to have a cosigner ready to make it easier for you.
The lenders will certainly base any decision using a few issues but the most significant
will be your credit history. There are some loan providers that will additionally look at your work history and decide based on this but in many cases
it will hinge on your credit score.