{"id":11420,"date":"2021-11-14T02:31:05","date_gmt":"2021-11-14T08:31:05","guid":{"rendered":"https:\/\/www.fitbux.com\/articles\/?p=11420"},"modified":"2025-02-06T09:21:32","modified_gmt":"2025-02-06T15:21:32","slug":"refinancing-student-loans-co-signer","status":"publish","type":"post","link":"https:\/\/www.fitbux.com\/articles\/refinancing-student-loans-co-signer\/","title":{"rendered":"Refinancing Student Loans With A Co-Signer"},"content":{"rendered":"<p>There are two primary reasons for refinancing student loans with a co-signer.\u00a0 In this article we discuss both in more details and share a few other pointers.<\/p>\n<h2 id=\"t-1738855125134\">Reason #1: Qualifying<\/h2>\n<p>The first reason for refinancing student loans with a co-signer is to qualify if you have tried to refinance on your own and were declined.<\/p>\n<p>However, before adding a co-signer you may have be declined because of a mistake.\u00a0 The three application mistakes we see most often are:<\/p>\n<ul>\n<li>A miscommunication about the documents needed between you and the lender,<\/li>\n<li>You went to the wrong lender and a better one may fit you based on your qualifications (check out our <a href=\"https:\/\/www.fitbux.com\/articles\/best-student-loan-refinance-companies\/\">8 best student loan refinance companies article to find out more about qualification standards<\/a> at each company), and<\/li>\n<li>You may have gotten declined but there are steps you can take to get you qualified on your own in 2 &#8211; 3 months such as <a href=\"https:\/\/www.fitbux.com\/articles\/one-way-increase-credit-score\/\">improving your credit<\/a>.<\/li>\n<\/ul>\n<p><em>Note: If you need help with the above, you can use <a href=\"https:\/\/www.fitbux.com\/student-loan-refinance\/\">FitBUX&#8217;s free student loan refinance service<\/a>.<\/em><\/p>\n<p>If you exhausted these options, then adding a co-signer may give the student loan refinance company the comfort to give you the loan.\u00a0 However, your co-signer will now be liable for the loan.\u00a0 There is information you need to know about the liability element which we discuss a little later on.<a name=\"reason2\"><\/a><\/p>\n<h2 id=\"t-1738855125135\">Reason #2: Interest Rate<\/h2>\n<p>The second reason for refinancing student loans with a co-signer is to get a lower interest rate.\u00a0 For instance, if you just graduated and have a limited credit history, you may not get a great rate with a lender that relies heavily on credit data when making an approval decision.<\/p>\n<p>However, if you add a co-signer, such as a parent, with a well-established (and good!) credit history, you will be considered less \u201crisky\u201d by the lender. Therefore, you may be able to get a lower rate.<\/p>\n<p>The \u201cquality\u201d of the co-signer matters greatly. We discuss these characteristics below.<\/p>\n<h2 id=\"t-1738855125136\">When Will A Co-Signer Make A Difference?<\/h2>\n<p>As previously mentioned, each student loan refinance company is a little different.\u00a0 However, there are two general rules:<\/p>\n<ul>\n<li>Your co-signer\u2019s credit score needs to be higher than yours,<\/li>\n<li>Your co-signer\u2019s annual gross income should be higher than yours.<\/li>\n<\/ul>\n<p>If your co-signer is retired, they will have to show significant retirement income for them to help you on the loan.<\/p>\n<p>These are the general rules of when a co-signer will help. The reason they are rules is that student loan refinance companies will only look at one applicant for qualifications, you or your co-signer. They will not take combined incomes into consideration.<\/p>\n<p>The two companies that make an exception to this is <a href=\"https:\/\/www.fitbux.com\/articles\/2019-splash-financial-student-loan-refinance-review\/\">Splash Financial<\/a> and <a href=\"https:\/\/www.fitbux.com\/articles\/2019-laurel-road-student-loan-refinance-review\/\">Laurel Road<\/a>.\u00a0 They a special spousal co-signer option. Using this option will allow you to use combined income on your application if you are married and use your spouse as a co-signer.<\/p>\n<h2 id=\"t-1738855125137\">Co-signer Release Option<\/h2>\n<p>There are scenarios where co-signers are worried about being liable for a loan.\u00a0 Therefore, some refinance companies have added a co-signer release option to make things easier.<\/p>\n<p>The co-signer release is a stated number of months of on-time payments. Once you satisfy that time period, you can apply to have the co-signer released from the liability. For example, a 36 month co-signer release means once you make 36 on-time payments you can apply to have your co-signer release from the liability.<\/p>\n<p>This option varies for each student loan refinance company. Some may not offer it at all.\u00a0 If you are thinking of using a co-signer, be sure to check our <a href=\"https:\/\/www.fitbux.com\/articles\/best-student-loan-refinance-companies\/\">student loan refinance company reviews<\/a> to see if they offer this.<\/p>\n<p>Also, be sure to inform your co-signer of this option. I\u2019ve seen a lot of parents say no to co-signing because they didn\u2019t want the liability. However, once they found out about the release they were willing to co-sign.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are two primary reasons for refinancing student loans with a co-signer.\u00a0 In this article we discuss both in more details and share a few other pointers. Reason #1: Qualifying The first reason for refinancing student loans with a co-signer is to qualify if you have tried to refinance on your own and were declined. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11425,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","tve_updated_post":"<div class=\"thrv_wrapper tve_wp_shortcode\"><div class=\"tve_shortcode_raw\" style=\"display: none\">___TVE_SHORTCODE_RAW__&lt;p&gt;There are two primary reasons for refinancing student loans with a co-signer.&nbsp; In this article we discuss both in more details and share a few other pointers.&lt;\/p&gt;__TVE_SHORTCODE_RAW___<\/div><\/div><div class=\"thrv_wrapper tve-toc tve-elem-scroll tcb-local-vars-root tve-toc-expandable\" data-columns=\"1\" data-ct=\"toc-63142\" data-transition=\"none\" data-headers=\"h2,h3,h4\" data-numbering=\"bullet\" data-highlight=\"progressive\" data-ct-name=\"Table of Content 17\" data-heading-style=\"{&quot;0&quot;:&quot;tve-u-194dbd96b0d&quot;,&quot;1&quot;:&quot;tve-u-194dbd96b0e&quot;,&quot;2&quot;:&quot;tve-u-194dbd96b0f&quot;}\" style=\"\" 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class=\"tve-content-box-background\" style=\"\"><\/div>\n\t<div class=\"tve-cb\">\n\t\t<div class=\"tve-toc-title-icon\" data-icon-code=\"icon-close-solid\" style=\"\"><svg class=\"tcb-icon\" viewBox=\"0 0 24 24\" data-id=\"icon-close-solid\" data-name=\"\"><path d=\"M19,6.41L17.59,5L12,10.59L6.41,5L5,6.41L10.59,12L5,17.59L6.41,19L12,13.41L17.59,19L19,17.59L13.41,12L19,6.41Z\"><\/path><\/svg><\/div>\n\t\t<div class=\"thrv_wrapper thrv_text_element tve_no_icons\"><h2 class=\"\" style=\"\" data-css=\"tve-u-194dbd96b19\">Table of Contents<\/h2><\/div>\n\t<\/div>\n<\/div><div class=\"tve-cb tve-toc-content tve-prevent-content-edit\">\n\t\t\n\n\t\t<div class=\"thrv_wrapper tve-toc-list tcb-no-delete tcb-no-save tcb-no-clone tve-no-dropzone\" data-css=\"tve-u-194dbd96b0c\" style=\"\">\n\t\t\t<div class=\"tve-content-box-background\" data-css=\"tve-u-181884570e4\"><\/div>\n\t\t\t<div class=\"tve-cb\">\n\t\t\t\t<div class=\"tve_ct_content tve_clearfix\"><div class=\"ct_column\"><div class=\"thrv_wrapper tve-toc-heading tve-toc-heading-level0 tve_no_icons\" data-tag=\"H2\" data-css=\"tve-u-194dbd96b0d\" data-element-name=\"Heading Level 1\"><div class=\"thrv_wrapper tve-toc-bullet tve-toc-bullet0 tve_no_icons tve-jump-scroll\" data-target=\"#t-1738855125134\" jump-animation=\"smooth\" data-icon-target=\"toc-bullet-0-m6thkp16\" data-element-name=\"Icon Level 1\" data-css=\"tve-u-194dbd96b12\"><svg class=\"tcb-icon\"><use href=\"#toc-bullet-0-m6thkp16\"><\/use><\/svg><\/div><a href=\"#t-1738855125134\" class=\"tve-toc-anchor tve-jump-scroll\" jump-animation=\"smooth\">Reason #1: Qualifying<\/a><\/div><div class=\"thrv_wrapper tve-toc-heading tve-toc-heading-level0 tve_no_icons\" data-tag=\"H2\" data-css=\"tve-u-194dbd96b0d\" data-element-name=\"Heading Level 1\"><div class=\"thrv_wrapper tve-toc-bullet tve-toc-bullet0 tve_no_icons tve-jump-scroll\" data-target=\"#t-1738855125135\" jump-animation=\"smooth\" data-icon-target=\"toc-bullet-0-m6thkp16\" data-element-name=\"Icon Level 1\" data-css=\"tve-u-194dbd96b12\"><svg class=\"tcb-icon\"><use href=\"#toc-bullet-0-m6thkp16\"><\/use><\/svg><\/div><a href=\"#t-1738855125135\" class=\"tve-toc-anchor tve-jump-scroll\" jump-animation=\"smooth\">Reason #2: Interest Rate<\/a><\/div><div class=\"thrv_wrapper tve-toc-heading tve-toc-heading-level0 tve_no_icons\" data-tag=\"H2\" data-css=\"tve-u-194dbd96b0d\" data-element-name=\"Heading Level 1\"><div class=\"thrv_wrapper tve-toc-bullet tve-toc-bullet0 tve_no_icons tve-jump-scroll\" data-target=\"#t-1738855125136\" jump-animation=\"smooth\" data-icon-target=\"toc-bullet-0-m6thkp16\" data-element-name=\"Icon Level 1\" data-css=\"tve-u-194dbd96b12\"><svg class=\"tcb-icon\"><use href=\"#toc-bullet-0-m6thkp16\"><\/use><\/svg><\/div><a href=\"#t-1738855125136\" class=\"tve-toc-anchor tve-jump-scroll\" jump-animation=\"smooth\">When Will A Co-Signer Make A Difference?<\/a><\/div><div class=\"thrv_wrapper tve-toc-heading tve-toc-heading-level0 tve_no_icons\" data-tag=\"H2\" data-css=\"tve-u-194dbd96b0d\" data-element-name=\"Heading Level 1\"><div class=\"thrv_wrapper tve-toc-bullet tve-toc-bullet0 tve_no_icons tve-jump-scroll\" data-target=\"#t-1738855125137\" jump-animation=\"smooth\" data-icon-target=\"toc-bullet-0-m6thkp16\" data-element-name=\"Icon Level 1\" data-css=\"tve-u-194dbd96b12\"><svg class=\"tcb-icon\"><use href=\"#toc-bullet-0-m6thkp16\"><\/use><\/svg><\/div><a href=\"#t-1738855125137\" class=\"tve-toc-anchor tve-jump-scroll\" jump-animation=\"smooth\">Co-signer Release Option<\/a><\/div><\/div><div class=\"thrv_wrapper thrv-divider tve-vert-divider\" data-style=\"tve_sep-1\" data-color-d=\"rgb(215, 215, 215)\" data-css=\"tve-u-194dbd96b13\" data-thickness-d=\"1\" data-style-d=\"tve_sep-2\"><hr class=\"tve_sep tve_sep-2\" style=\"\"><\/div><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><div class=\"thrv_wrapper tve_wp_shortcode\"><div class=\"tve_shortcode_raw\" style=\"display: none\">___TVE_SHORTCODE_RAW__&lt;h2 id=\"t-1738855125134\"&gt;Reason #1: Qualifying&lt;\/h2&gt;&lt;p&gt;The first reason for refinancing student loans with a co-signer is to qualify if you have tried to refinance on your own and were declined.&lt;\/p&gt;&lt;p&gt;However, before adding a co-signer you may have be declined because of a mistake.&nbsp; The three application mistakes we see most often are:&lt;\/p&gt;&lt;ul&gt;&lt;li&gt;A miscommunication about the documents needed between you and the lender,&lt;\/li&gt;&lt;li&gt;You went to the wrong lender and a better one may fit you based on your qualifications (check out our &lt;a href=\"https:\/\/www.fitbux.com\/articles\/best-student-loan-refinance-companies\/\"&gt;8 best student loan refinance companies article to find out more about qualification standards&lt;\/a&gt; at each company), and&lt;\/li&gt;&lt;li&gt;You may have gotten declined but there are steps you can take to get you qualified on your own in 2 - 3 months such as &lt;a href=\"https:\/\/www.fitbux.com\/articles\/one-way-increase-credit-score\/\"&gt;improving your credit&lt;\/a&gt;.&lt;\/li&gt;&lt;\/ul&gt;&lt;p&gt;&lt;em&gt;Note: If you need help with the above, you can use &lt;a href=\"https:\/\/www.fitbux.com\/student-loan-refinance\/\"&gt;FitBUX's free student loan refinance service&lt;\/a&gt;.&lt;\/em&gt;&lt;\/p&gt;&lt;p&gt;If you exhausted these options, then adding a co-signer may give the student loan refinance company the comfort to give you the loan.&nbsp; However, your co-signer will now be liable for the loan.&nbsp; There is information you need to know about the liability element which we discuss a little later on.&lt;a name=\"reason2\"&gt;&lt;\/a&gt;&lt;\/p&gt;&lt;h2 id=\"t-1738855125135\"&gt;Reason #2: Interest Rate&lt;\/h2&gt;&lt;p&gt;The second reason for refinancing student loans with a co-signer is to get a lower interest rate.&nbsp; For instance, if you just graduated and have a limited credit history, you may not get a great rate with a lender that relies heavily on credit data when making an approval decision.&lt;\/p&gt;&lt;p&gt;However, if you add a co-signer, such as a parent, with a well-established (and good!) credit history, you will be considered less \u201crisky\u201d by the lender. Therefore, you may be able to get a lower rate.&lt;\/p&gt;&lt;p&gt;The \u201cquality\u201d of the co-signer matters greatly. We discuss these characteristics below.&lt;\/p&gt;&lt;h2 id=\"t-1738855125136\"&gt;When Will A Co-Signer Make A Difference?&lt;\/h2&gt;&lt;p&gt;As previously mentioned, each student loan refinance company is a little different.&nbsp; However, there are two general rules:&lt;\/p&gt;&lt;ul&gt;&lt;li&gt;Your co-signer\u2019s credit score needs to be higher than yours,&lt;\/li&gt;&lt;li&gt;Your co-signer\u2019s annual gross income should be higher than yours.&lt;\/li&gt;&lt;\/ul&gt;&lt;p&gt;If your co-signer is retired, they will have to show significant retirement income for them to help you on the loan.&lt;\/p&gt;&lt;p&gt;These are the general rules of when a co-signer will help. The reason they are rules is that student loan refinance companies will only look at one applicant for qualifications, you or your co-signer. They will not take combined incomes into consideration.&lt;\/p&gt;&lt;p&gt;The two companies that make an exception to this is &lt;a href=\"https:\/\/www.fitbux.com\/articles\/2019-splash-financial-student-loan-refinance-review\/\"&gt;Splash Financial&lt;\/a&gt; and &lt;a href=\"https:\/\/www.fitbux.com\/articles\/2019-laurel-road-student-loan-refinance-review\/\"&gt;Laurel Road&lt;\/a&gt;.&nbsp; They a special spousal co-signer option. Using this option will allow you to use combined income on your application if you are married and use your spouse as a co-signer.&lt;\/p&gt;&lt;h2 id=\"t-1738855125137\"&gt;Co-signer Release Option&lt;\/h2&gt;&lt;p&gt;There are scenarios where co-signers are worried about being liable for a loan.&nbsp; Therefore, some refinance companies have added a co-signer release option to make things easier.&lt;\/p&gt;&lt;p&gt;The co-signer release is a stated number of months of on-time payments. Once you satisfy that time period, you can apply to have the co-signer released from the liability. For example, a 36 month co-signer release means once you make 36 on-time payments you can apply to have your co-signer release from the liability.&lt;\/p&gt;&lt;p&gt;This option varies for each student loan refinance company. Some may not offer it at all.&nbsp; If you are thinking of using a co-signer, be sure to check our &lt;a href=\"https:\/\/www.fitbux.com\/articles\/best-student-loan-refinance-companies\/\"&gt;student loan refinance company reviews&lt;\/a&gt; to see if they offer this.&lt;\/p&gt;&lt;p&gt;Also, be sure to inform your co-signer of this option. I\u2019ve seen a lot of parents say no to co-signing because they didn\u2019t want the liability. 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