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Home Ask Student Aid FAQ My Student Loans have a Cosigner, Do I Need a Cosigner to Refinance Them

My Student Loans have a Cosigner, Do I Need a Cosigner to Refinance Them

No. If you are able to qualify for a private refinance loan on your own, you can combine your existing student loans into the new refinance loan without a cosigner. This will pay off your existing loans, and create a new loan solely in your name. Releasing your cosigner of any obligation.

However, if you are unable to qualify for a private refinance loan on your own, you may need a cosigner—but this cosigner could be someone else, it doesn’t have to the be the same cosigner you used previously.