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
Co-sign Income-Driven Repayment (IDR) Plan Request
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The entire Co-Sign process must be completed in a single session. Most people complete the Co-Sign process in 10 minutes.