How to request a 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), Mississippi (21), 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 permanent resident 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., most recent W2, most recent tax return, printed paystub from the past 90 days, or SSI or 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 open bankruptcy, open 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 form and required documentation to us.
    • Online: Log in to your account and select the Secure Document Upload link on the Forms page.
    • By mail: Sallie Mae, P.O. Box 3319, Wilmington DE 19804-4319
    • By 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.