How to Get a Navient Co-signer Release

If you have private student loans with Navient, you may be wondering how to get a Navient co-signer release. A co-signer may be a parent, spouse or grandparent who helped you get approved, and assumed financial responsibility, for your student loans. If you have a co-signer for your Navient loans, you may be wondering about a Navient co-signer release.

How do you remove a co-signer from your Navient student loans? When you remove a co-signer, you can assume full financial responsibility for your student loans. You can seek to remove the co-signer 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.

In this guide, you'll learn everything you need to know about how to get a Navient co-signer release:

1. Meet the student loan payment requirements
2. Use the Navient co-signer release form
3. Show income and expenses
4. Demonstrate proof of citizenship and graduation
5. Provide names of your co-signers
6. Submit the Navient co-signer release form

Top Picks For Student Loan Refinancing

December 2024

Advertiser Disclosure

Fixed APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Fixed APR means that your interest rate will always stay the same. Even if interest rates change, your interest rate or monthly payment will not. Fixed APR includes a 0.25% discount when you enroll in autopay.

Variable APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest rate can fluctuate over time, which can increase or decrease your monthly student loan payment. Typically, a variable-rate loan has a lower introductory rate than a fixed-loan rate loan. Variable APR includes a 0.25% discount when you enroll in autopay.

APR

4.49% - 9.99%

5.99% - 9.99%

4.49% - 9.99%

Get My Rate

View Details

on SoFi's website

Overview

Variable APR:

5.99% - 9.99%

Fixed APR:

4.49% - 9.99%

Minimum Credit Score:

650

Minimum Income:

None

Fees:

None

Minimum Loan Amount:

$5,000 ($10,000 in CA)

Details

Eligible Loans:

Private & Federal

Eligible Degrees:

Undergraduate & Graduate

Loan Terms:

5, 7, 10, 15, 20 years

Borrower Residency:

All states

Hardship Deferment:

Yes

Co-signer Option:

Yes

Review:

SoFi Student Loan Refinancing Review

3.95% - 9.74%

5.89% - 9.74%

3.95% - 9.74%

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View Details

on Earnest's website

Overview

Variable APR:

5.89% - 9.74%

Fixed APR:

3.95% - 9.74%

Minimum Credit Score:

650

Minimum Income:

None

Fees:

None

Minimum Loan Amount:

$5,000

Details

Eligible Loans:

Private & Federal

Eligible Degrees:

Undergraduate & Graduate

Loan Terms:

5-20 years

Borrower Residency:

All States except NV

Hardship Deferment:

Yes

Co-signer Option:

No

Review:

Earnest Student Loan Refinancing Review

5.19% - 9.74%

5.99% - 9.74%

5.19% - 9.74%

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View Details

on NaviRefi's website

Overview

Variable APR:

5.99% - 9.74%

Fixed APR:

5.19% - 9.74%

Minimum Credit Score:

680

Minimum Income:

None

Fees:

None

Minimum Loan Amount:

$5,001 ($10,001 in CA)

Details

Eligible Loans:

Private & Federal

Eligible Degrees:

Undergraduate & Graduate

Loan Terms:

5-20 years

Borrower Residency:

All States except NV

Hardship Deferment:

Yes

Co-signer Option:

No

Review:

NaviRefi Student Loan Refinancing Review

4.88% - 8.44%

4.86% - 8.49%

4.86% - 8.49%

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View Details

on ELFI's website

Overview

Variable APR:

4.86% - 8.49%

Fixed APR:

4.88% - 8.44%

Minimum Credit Score:

680

Minimum Income:

$35,000

Fees:

None

Minimum Loan Amount:

$10,000

Details

Eligible Loans:

Private & Federal

Eligible Degrees:

Undergraduate & Graduate

Loan Terms:

5, 7, 10, 15, 20 years

Borrower Residency:

All States

Hardship Deferment:

Yes

Co-signer Option:

Yes

Review:

ELFI Student Loan Refinancing Review

4.84% - 9.99%

5.89% - 9.99%

4.84% - 9.99%

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View Details

on Splash's website

Overview

Variable APR:

5.89% - 9.99%

Fixed APR:

4.84% - 9.99%

Minimum Credit Score:

640

Minimum Income:

None

Fees:

None

Minimum Loan Amount:

$5,000

Details

Eligible Loans:

Private & Federal

Eligible Degrees:

Undergraduate & Graduate

Loan Terms:

5 – 20 years

Borrower Residency:

All states

Hardship Deferment:

Varies

Co-signer Option:

No

Review:

Splash Financial Student Loan Refinancing Review

5.89% - 10.98%

7.02% - 12.44%

5.89% - 12.44%

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View Details

on Citizens' website

Overview

Variable APR:

7.02% - 12.44%

Fixed APR:

5.89% - 10.98%

Minimum Credit Score:

Not disclosed

Minimum Income:

$24,000

Fees:

No prepayment or origination fees

Minimum Loan Amount:

$10,000

Details

Eligible Loans:

Private & Federal

Eligible Degrees:

Undergraduate & Graduate

Loan Terms:

5, 7, 10, 15, 20 years

Borrower Residency:

All states

Hardship Deferment:

Yes

Co-signer Option:

Yes

Review:

Citizens Student Loan Refinancing Review

4.99% - 8.90%

5.29% - 9.20%

4.99% - 9.20%

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View Details

on Laurel Road's website

Overview

Variable APR:

5.29% - 9.20%

Fixed APR:

4.99% - 8.90%

Minimum Credit Score:

680

Minimum Income:

None

Fees:

None

Minimum Loan Amount:

$5,000

Details

Eligible Loans:

Private & Federal

Eligible Degrees:

Undergraduate & Graduate

Loan Terms:

5, 7, 10, 15, 20 years

Borrower Residency:

All States

Hardship Deferment:

Yes

Co-signer Option:

Yes

Review:

Laurel Road Student Loan Refinancing Review

5.49% - 9.75%

5.53% - 12.18%

5.49% - 12.18%

Get My Rate

View Details

on LendKey's website

Overview

Variable APR:

5.53% - 12.18%

Fixed APR:

5.49% - 9.75%

Minimum Credit Score:

680

Minimum Income:

$24,000

Fees:

None

Minimum Loan Amount:

$5,000

Details

Eligible Loans:

Private & Federal

Eligible Degrees:

Undergraduate & Graduate

Loan Terms:

5, 7, 10, 15, 20 years

Borrower Residency:

All states, except ME, ND, NV, RI, WV

Hardship Deferment:

Yes

Co-signer Option:

Yes

Review:

LendKey Student Loan Refinancing Review

Checking Your Rate Doesn't Affect Your Credit Score

Disclosures: SoFi | Earnest | NaviRefi | ELFI | Splash Financial | Citizens | Laurel Road | LendKey

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 co-signer 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 co-signer release form. You can find the Navient co-signer 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 Co-signer”
• Download the application to release a co-signer

3. Show income and expenses

On the application to release a co-signer, 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 co-signers

Most student loan borrowers have one co-signer. 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 co-signer release form

Congratulations! You have finished your Navient co-signer release form. Don’t forget to sign the application. Now, it’s time to submit the form. You can mail your complete co-signer 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.