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.

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.

Only the borrower may apply for cosigner release. Borrowers who meet the age of majority in their state may apply for cosigner release by providing proof of graduation (or completion of certification program), income, and U.S. citizenship or permanent residency (if your status has changed since you applied). In the last 12 months, the borrower must be current on all Sallie Mae serviced loans (including no hardship forbearances or modified repayment programs) and have paid ahead or made 12 on-time principal and interest payments on each loan requested for release. When the cosigner release application is processed, the borrower must demonstrate the ability to assume full responsibility of the loan(s) individually, and 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. Requirements are subject to change.