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How to Get a Navient Cosigner Release
Updated On October 12, 2021
Editorial Note: This content is based solely on the author's opinions and is not provided, approved, endorsed or reviewed by any financial institution or partner.

If you have private student loans with Navient, you may have borrowed your student loans with the help of a cosigner. A cosigner may be a parent, spouse or grandparent who helped you get approved, and assumed financial responsibility, for your student loans. How do you remove a cosigner from your Navient student loans? When you remove a cosigner, you can assume full financial responsibility for your student loans. You can seek to remove the cosigner from your Navient student loans directly with Navient. Alternatively, you can also refinance your student loans with a different lender. Student loan refinancing can help you to get a lower interest rate, save money and pay off your student loans faster.
Here’s how to get a cosigner release from Navient so that you can remove your cosigner. Follow these 6 steps:
- Meet the student loan payment requirements
- Use the Navient cosigner release form
- Show income and expenses
- Demonstrate proof of citizenship and graduation
- Provide names of your cosigners
- Submit the Navient cosigner release form
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1. Meet the student loan payment requirements
To release a cosigner from Navient student loans, you first must certain requirements. For example, you must graduate or complete your course of study. You also must make 12 consecutive, on-time private student loan payments. Remember, a cosigner release is for your private student loans, so your on-time payments must be for your Navient private student loans. Make sure that your payments include both principal and interest payments.
2. Use the Navient cosigner release form
Access the Navient cosigner release form. You can find the Navient cosigner release form on the Navient website.
- Visit the Navient homepage.
- Go to the “In Repayment” section of the main menu
- Select “Private Student Loans”
- Scroll to “Releasing A Cosigner”
- Download the application to release a cosigner
3. Show income and expenses
On the application to release a cosigner, you will be asked to provide basic information such as your name, date of birth, contact information, citizenship and employment information.Be prepared to share your income and expenses. To show proof of income, you can provide a W-2, 1099, pay stub or even a recent income tax return.In terms of expenses, you may be asked to provide other debt obligations such as other payments for student loans, credit cards or mortgages.
4. Demonstrate proof of graduation
To get a release of Navient student loans, you will need to provide a college diploma or official transcript to show proof of graduation or course of study completion. Remember, you must graduate or complete your studies before you can get a cosigner release.
5. Provide names of your cosigners
Most student loan borrowers have one cosigner. However, it’s possible that you have more than one student loan cosigner. List the name of your cosigner or cosigners on your cosigner release application. This will indicate to Navient which cosigner or cosigners will be released from financial responsibility for your student loans.
6. Submit the Navient cosigner release form
Congratulations! You have finished your Navient cosigner release form. Don’t forget to sign the application. Now, it’s time to submit the form. You can mail your complete cosigner release form to:
Navient
P.O. Box 9640
Wilkes-Barre, PA 18773
Phone: 1-800-722-1300
Fax: 1-800-443-9723
Here is more information on how to contact Navient customer service.