What are the cosigner requirements?

If you’re not a U.S. citizen, U.S. permanent resident or a student with Deferred Action for Childhood Arrivals (DACA) status, you must apply with a cosigner. The cosigner requirements for international and temporary resident students are:

1. Must be a U.S. citizen or U.S. permanent resident
2. Must have at least 2-years of credit history with non-student loan trades and meet minimum credit score requirements. The minimum score is subject to change and may depend on the score of the student borrower.
3. Must meet a minimum gross annual income requirement of $30,000 for at least the 12-months prior to the loan application
4. Be able to submit proof of income satisfactory under applicable program guidelines and procedures

For full eligibility requirements, visit our Borrower Benefits page.