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You might qualify for cosigner release on your private student loans if you meet the following criteria:
Follow these steps to fill out and submit the application:
Review the requirements at the top of the page. If you’re unsure what credit score you need to qualify for cosigner release with your lender, reach out to Navient by calling 888-272-5543.
You can find and download the PDF application on Navient’s website. You can either fill it out on your computer using a PDF reader before printing it out to sign and date it. Or, you can fill it out by hand.
The first page of your cosigner release application details Navient’s cosigner release requirements. Give it a read to double-check that you meet all of the criteria.
You’ll need to provide the following information:
The phone number field is optional on the Navient cosigner release application. If you include it, you’re consenting to receive robocalls from Navient, its subsidiaries and any affiliates.
You need to submit copies of the following documents along with your application form:
Sign and date your application by hand, then submit it to Navient one of three ways:
1. Mail
Mail your application form and copies of your required documents to the following address:
Navient
PO Box 9640
Wilkes-Barre, PA
18773-9640
2. Fax
Fax your documents and application form to 800-443-9723.
3. Online
Follow these steps to submit your application online:
Navient will get in touch with you to let you know if you’ve been approved for cosigner release. If you get a thumbs up, your cosigner will no longer be responsible for your loan and the debt is transferred entirely to your name.
If your application for cosigner release was rejected, you can still remove your cosigner by refinancing with another lender. Look for a lender with credit requirements you can meet on your own — or bring on another cosigner to help you qualify.
Explore your options by APR, minimum credit score, loan amount and loan term. Select Go to site for more information about a particular lender.
Cosigner release frees up your cosigner to take on other credit by transferring your student loans entirely under your name. But you’ll need good credit, a degree and a steady source of income to qualify. If you don’t meet all of these criteria, you can apply to refinance with another lender — with a different cosigner if needed. Explore your options with our guide to student loan refinancing.
Do I need to be employed to qualify for cosigner release?
Not necessarily. You can qualify for cosigner release as long as you receive steady income — including a pension or disability benefits.
Do I have to disclose all income — even if I don’t want it counted toward my income requirements?
No, you can leave out income like alimony or child support.
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