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How to apply for cosigner release

You (the borrower) must

  • Submit a signed and fully completed application.
  • Meet the age of majority requirements in your state of residence. This means you need to be old enough to enter into a legally binding contract, which is 18 in all states except Alabama (19), Nebraska (19), and Puerto Rico (21).
  • Provide proof of graduation or completion of a certification program (such as a copy of your diploma and/or transcript) for the loan(s) from which you want your cosigner to be released.
  • Be a U.S. citizen or U.S. permanent resident alien at the time you submit the cosigner release request. If your citizenship status has changed since you applied for the loan, we need proof of citizenship.
  • Provide proof of income (e.g., a current paystub issued within the past 60 days, a most recent W2 along with a current paystub issued within the last 60 days, a most recent tax return along with a current paystub issued within the last 60 days, or Social Security income/disability award letters).
  • Be current on all Sallie Mae-serviced loans for the past 12 months immediately before applying for cosigner release.
  • Demonstrate a satisfactory payment history on each loan requested for release immediately before applying. You can do this by pre-paying an amount equal to the required 12 principal and interest payments or by making the required 12 on-time principal and interest payments. Interest or fixed payments made during the in-school and separation or grace period(s) do not count toward this requirement.
  • Have had no student loan(s) in a hardship forbearance or modified repayment program (including a Graduated Repayment Period) for the past 12 months immediately before the cosigner release request.
  • Demonstrate the ability to assume full responsibility for repayment of the loan(s) on your own.
  • Pass a credit review that demonstrates a satisfactory credit history including but not limited to no bankruptcy, foreclosure, student loan(s) in default, or 90-day delinquencies in the last 24 months. We’ll obtain a consumer credit report to go along with your application.
  • Requirements are subject to change.

How to submit a request for cosigner release

  1. Download and print the Cosigner Release Application (PDF).
  2. Review page 1 for eligibility requirements; complete and sign the form on page 2.
  3. Keep a copy for your records.
  4. Return the completed application and required documentation to us.
    • Online: Log in to your account, go to the Forms page, and select the Secure Document Upload link.
    • Mail: Sallie Mae, P.O. Box 3319, Wilmington DE 19804-4319
    • Fax: 844-822-1121

If you have questions about submitting the form, call us at 800-472-5543. We’re here to help you Monday through Thursday, 8 a.m. – 9 p.m., Friday 8 a.m. – 8 p.m., and Saturday 9 a.m. – 6 p.m. ET.

Andrea explains how to apply to release your cosigner