Federal Student Aid, an office of the U.S. Department of Education: Proud sponsor of the American mind. Federal Student Aid, an office of the U.S. Department of Education: Proud sponsor of the American mind.

Co-sign Income-Driven Repayment (IDR) Plan Request

Due to extended system maintenance, the StudentLoans.gov website is unavailable from 3 a.m. until 3 p.m. ET on Sunday,
November 18, 2018. You may not sign master promissory notes, complete counseling or TEACH Grant processing flows, or
submit Loan Consolidation applications or Income-Driven Repayment Plan requests.
Please attempt to log in to the website after the outage period ends.

We apologize for any inconvenience this outage may cause and appreciate your understanding and patience while we
complete this important activity.

What is a Co-Signer?

A co-signer is the spouse of someone who initiated an Income-Driven Repayment Plan Request. As a co-signer you are not obligated to repay this loan by signing a borrower's IDR application.

Your spouse (i.e., the borrower who applied for IDR) will have provided you with a Reference Number/Co-sign Code. If you do not have the Reference Number/Co-sign Code, contact your spouse. An e-mail containing the Reference Number/Co-sign Code was sent to him or her. Your spouse can also access the Reference Number/Co-sign Code by logging in to StudentLoans.gov and clicking on the appropriate link.

Directions to access the Reference Number/Co-sign Code

  • If your spouse completed an Income-Driven Repayment Plan Request that was not part of a Direct Consolidation Loan Application, he or she will click on "Income-Driven Repayment Plan Requests" under "My Loan Documents" to locate and provide you with the Reference Number you need.
  • If your spouse completed an Income-Driven Repayment Plan Request as part of a Direct Consolidation Loan Application, he or she will click on "Direct Consolidation Loan Applications" under "My Loan Documents" to locate and provide you with the Co-sign Code you need.

Co-sign Income-Driven Repayment (IDR) Plan Request

OMB No. 1845-0102
Form Approved

Who should complete this?

  • Spouse of someone who initiated an Income-Driven Repayment Plan Request.

How long will it take?

The entire Co-Sign process must be completed in a single session. Most people complete the Co-Sign process in 10 minutes.

What do I need?

  • Verified FSA ID
  • You must be logged in with your own unique FSA ID in order to Co-Sign the Borrower's IDR.
  • Reference Number/Co-Sign Code
  • Borrower's SSN
  • Personal Information 
  • Financial Information (Note: only if you file income taxes separately from your spouse)