If you’re the borrower and want to apply, you’ll need to:

  • Submit a signed and fully completed application.
  • Be old enough to enter a legally-binding contract in your state of residence. The age of majority is 18 in all states except Alabama (19), Nebraska (19), and Puerto Rico (21).
  • Provide proof of graduation or completion of a certification program for the loan(s) associated with the cosigner you want to release.
  • Be a U.S. citizen or U.S. permanent resident alien at the time you submit the request. If your citizenship status changed since you applied for the loan(s), we’ll need proof of citizenship.
  • Provide proof of income, such as:
    • Your current paystub, issued within the past 60 days.
    • Your most recent W2 and current paystub, issued within the past 60 days.
    • Your most recent tax return and current paystub, issued within the past 60 days.
    • Your Social Security income/disability award letter(s).
  • Be current on all Sallie Mae-serviced loans for the 12 months before you apply.
  • Demonstrate a satisfactory payment history on the loan(s) requested 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 the Graduated Repayment Period) for the 12 months before you apply.
  • Demonstrate the ability to assume full responsibility for repayment of the loan(s).
  • 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.

Please be aware that requirements are subject to change.


Submit your request by following these steps:

1. Download and print the Cosigner Release Application.

2. Review page 1 for eligibility requirements, then complete and sign the form on page 2.

3. Return the completed application and required documentation to us one of the following ways:

  • Log in to your account, go to the Forms page, and select Secure Document Upload.
  • Mail it to Sallie Mae, P.O. Box 3319, Wilmington DE 19804-4319
Be sure to keep a copy for your records.

If you have questions, chat with us through our app or in the bottom right corner of this page, or call us at 800-472-5543, Monday through Thursday, 8 a.m. to 9 p.m., Friday 8 a.m. to 8 p.m., and Saturday 9 a.m. to 6 p.m. ET.
 

Andrea explains how to apply to release your cosigner


Related topics


© 2021 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank are not sponsored by or agencies of the United States of America.