Add a Cosigner

What is a cosigner?

• A cosigner accepts equal responsibility for the repayment of a Certified Private Loan together with the student borrower
• A cosigner may be required if the credit check determines the student does not qualify for the Certified Private Loan individually
• Even if the student qualifies for a Certified Private Loan without a cosigner, by choosing to add a cosigner, the student may receive a lower interest rate

Who can be a cosigner?

• The cosigner must be a US citizen or permanent resident
• The cosigner must be at least 18 years old
• The cosigner must pass a credit check
• The cosigner does not need to be related to the student, but many students ask a parent to cosign their applications

Instructions for Students

1. Do not submit a new loan application
2. Identify a cosigner and tell him or her the amount of the loan you are requesting
3. Give your cosigner your Application Identifier for Certified Private Loans – this 12-character code links the cosigner with the correct student loan application
   To find the Application Identifier, log in and:
   1. Click the date of the corresponding loan application on the Account Summary screen
   2. Select References / Cosigner at the top of the Application Detail screen
   3. Locate the Application Identifier at the bottom of the page so they can apply online OR ask your cosigner to call us at 1-877-728-3030

Instructions for Cosigners

1. Ask your student for the loan amount requested
2. Ask your student for the Application Identifier for Certified Private Loans – this 12-character code links the cosigner with the correct student loan application
   To find the Application Identifier, log in and:
   1. Click the date of the corresponding loan application on the Account Summary screen
   2. Select References / Cosigner at the top of the Application Detail screen
   3. Locate the Application Identifier at the bottom of the page so you can apply online as a cosigner OR call us at
   1-877-728-3030 to add your information and authorize a credit check (we will ask for your Social Security number, driver's license number, date of birth and a reference who resides at a different address)

Instructions for Cosigners (E-Sign)

1. Log In to your account
2. Click the date of the corresponding loan application on the Account Summary screen
3. Select References / Cosigner at the top of the Application Detail screen
4. Click the e-sign link at the bottom of the page and follow the instructions
5. Print a copy of your Cosigner Addendum for your records

Instructions for Cosigners (Mail)

1. Print the Cosigner Addendum, complete the form, and mail it (with your original signature) to:


Discover Student Loans
PO Box 30947
Salt Lake City, UT 84130-0947


Cosigner Addendum to Application and Promissory Note



2. Keep a copy of your Cosigner Addendum for your records