Cosigner FAQs

If you can’t qualify for student loan refinancing by yourself, a cosigner with good credit history can help you qualify and take advantage of refinancing – lower your rate, get out of debt faster, or lower your monthly loan payments.

A cosigner with good credit history can also help you get a better rate on your loan refinance. Check out our article about applying with a cosigner.

Most borrowers have their friends, family, or spouse help them as a cosigner.  The cosigner can be any US citizen or permanent resident that can qualify for refinancing with the lender based on their credit history.

A spouse’s income can be included in you refinancing application as long as it can be verified.  You do not need for the spouse to be a cosigner if you are just including the spouse’s income in your loan application.  However, including your spouse as a cosigner may get you a better rate or can help you qualify if you can’t qualify for refinancing by yourself. Check out our article on cosigners.

Spouse’s income can be included in you refinancing application as long as it can be verified.  You do not need for the spouse to be a cosigner if you are just including the spouse’s income in your loan application. 

Yes, this option is available with some of our lenders but certain conditions apply. Contact us if you have any question or better still contact the lender directly. We are standing by to help you have a smooth application.