How to Request a Cosigner Release From Navient

Considering the expensive costs of college tuition, cosigning a student loan is one of the most common ways for students to shoulder the financial burden.

In fact, approximately 90 percent of private student loans are cosigned by a parent, according to a 2012 report by the Consumer Financial Protection Bureau and the U.S. Department of Education.

But, there may come a time when having a cosigner is no longer necessary for you. Releasing your cosigner from their financial responsibilities can be liberating for the both of you, and it’s a relatively straightforward process.

However, it’s not quite as simple as telling your cosigner and lender that you’re good with making payments on your own from here on out. Different lenders have different rules and regulations when it comes to releasing a cosigner from a student loan.

Navient is one such lender that has its own specific process. Here are the steps you need to follow to obtain a Navient cosigner release after graduation.

5 steps for requesting a Navient cosigner release

According to Navient, primary borrowers can qualify to release their cosigner once they graduate and have made 12 consecutive, on-time payments (both principal and interest).

Once you fit that bill, here’s how to go about it:

1. Access the cosigner release application online

Visit Navient online, click on “About Us,” then “Who We Are,” followed by “Services” until finally “Releasing a Cosigner.”

You’ll be able to print and fill out the PDF file application to begin the process of freeing up a cosigner from your loan.

2. Provide proof of income and select expenses

After filling out your name, date of birth, employment details and contact information, the application will ask you to provide your gross annual salary.

It will also ask for the amount and source of any additional income you may be earning. According to Navient, this can include a copy of a recent paystub, a W-2 form, public assistance/Social Security paperwork, a 1099 tax form, or recent income tax return if you’re self-employed.

You’ll also need to disclose the amount you pay monthly for housing, as well as car or student loan payments, if applicable.

3. Include proof of graduation and citizenship

Your Navient cosigner release application won’t be complete if you don’t include a copy of your college or university diploma, or a transcript proving that you’ve graduated.

Remember, you won’t be eligible for a cosigner release until you’ve completed your studies. Also, provide proof of U.S. citizenship — but only if your status has changed.

4. List your cosigner

On the application, list the names of each cosigner on your loans. You can provide up to six names.

5. Remember your payment plan

Have you made 12 consecutive student loan payments on time? It’s the minimum you’ll need to make to qualify for a cosigner release. Be sure to tally up how many you’ve submitted before applying for a Navient cosigner release.

If it’s monthly, 12 payments mean you’ll naturally need to wait for one year. Unless you’re able to make multiple payments within a month. Payments include both the principal and the interest you owe on a standard repayment plan for your student loans.

Additional info for Navient cosigner release

Once you’ve filled out your application, crossed all the t’s and dotted all the i’s mail both pages of the application and enclosed documentation to:


P.O. Box 9640

Wilkes-Barre, PA 18773-9640

Or, you can fax it to 800-443-9723.

Be mindful that Navient will need to receive a consumer credit report before meeting their obligations for a cosigner release. Navient cosigner release approval is also at the sole discretion of the company.

Most importantly, keep in mind that by releasing your cosigner from your loan, you’re not being entirely released from your loan obligations. From here on out, your existing student loan debt is all on you. So keep up with those payments and you’ll be debt free before you know it.

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