The necessity for a co-signer depends on many factors which we won't know until you complete your application. These factors include your monthly income, your credit history, and your rental history, among others. In general, we have found that most people who have regular employment satisfy the income requirements of the application. We have also found that, in general, most full-time students who don't have a housing allowance or other forms of financial assistance, will need to have a co-signer for their application to be accepted.