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If you’re the borrow 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 (PDF).
  2. Review page 1 for eligibility requirements; 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 the Secure Document Upload link.
    • 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 800-472-5543, Monday–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