Discover will no longer accept new student loan applications after January 31, 2024. Applications received on or before January 31, 2024 will be processed as usual.

Discover Student Loans
Discover Student Loans

Cosign a student loan

Help improve your student's chances for private student loan approval and a lower interest rate.


Cosign an application


You can submit a cosigner application if the student has already started their application and selected you as a cosigner.



Start an application as a cosigner


This is a way for you to begin the application process as a cosigner on behalf of a student.


Frequently asked questions

A cosigner accepts equal responsibility for the repayment of a private student loan. Cosigner need not be related to the student, but many students ask a parent to cosign their applications.


Cosigner must:

  • Be a US citizen or permanent resident
  • Be at least 18 years old
  • Pass a credit check

If the student does not have established credit history to qualify for a private student loan on their own, the student may have the option to apply with a creditworthy cosigner.


Even if the student qualifies for a private student loan on their own, applying with a creditworthy cosigner may improve the likelihood for loan approval and the student may receive a lower interest rate.

If the student has already submitted their application, ask the student for your Cosigner Key to complete a cosigner application or call us at 1-800-STUDENT.


If the student has not submitted their application yet, start the application process as a cosigner for the student.

Interested in private student loans?

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