Also known as: Laurel Road Co-Signer
Laurel Road accepts co-signers on certain private student loan applications, which can help students who have limited or no credit history qualify for a loan or access a lower interest rate. A co-signer is typically a creditworthy parent or other adult who agrees to be equally responsible for repaying the loan if the primary borrower does not.
As with any private student loan, the first step should always be completing the FAFSA and exploring federal student loan eligibility. Federal loans offer income-driven repayment, deferment, forbearance, and potential forgiveness that private loans do not provide.
When a co-signer is added to a Laurel Road loan application, both the student borrower and the co-signer are evaluated for creditworthiness. A stronger co-signer credit profile can improve approval odds and may result in a lower interest rate than the student would receive independently.
Co-signers should understand that they take on full legal responsibility for the loan. If the student does not make payments, the co-signer is expected to pay, and missed payments can negatively affect the co-signer's credit score as well as the borrower's.
Laurel Road is particularly oriented toward graduate students and professionals in healthcare fields. Co-signer products are part of the broader loan lineup for those programs. Co-signer release, if available, allows a co-signer to be removed from the loan after the borrower meets certain criteria, such as a defined number of on-time payments and a satisfactory credit review.
When evaluating a co-signed Laurel Road loan, both the student and the co-signer should review the annual percentage rate, total repayment cost, repayment flexibility, and all terms carefully before applying.
Quick info
Student Loans
Laurel Road Co-Signer
KeyCorp
FDIC-insured. Division of KeyBank.
2026-06-06
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Student loan refinancing with co-signer option
Additional notes
Co-signers are equally responsible for repayment. Refinancing federal loans removes access to federal repayment protections.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
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Date checked
2026-06-06
Is my loan with Laurel Road (Co-Signer) a federal or private loan?
Check your account at StudentAid.gov to see federal loan details. If your loan does not appear there, it is likely a private loan. Your loan agreement or promissory note will also state whether it is federal or private.
What repayment options does Laurel Road (Co-Signer) offer?
For federal loans, income-driven repayment plans are generally available regardless of which servicer handles your account. For private loans, options depend on the lender's own hardship programmes. Ask your servicer specifically about deferment, forbearance and income-based options.
How do I complain about Laurel Road (Co-Signer)?
For federal loan servicer complaints, contact the FSA Feedback System at studentaid.gov/feedback-center. For private loan complaints, use the CFPB complaint portal at consumerfinance.gov/complaint.
What happens to my loan if Laurel Road (Co-Signer) changes?
Federal student loan servicers can change. Your loans and their terms remain the same. Always update your contact information at StudentAid.gov.
Where can I get free help with my student loans?
StudentAid.gov has free tools and information on repayment options. The CFPB has a student loan guide. Be wary of companies that charge fees for help with student loan repayment plans you can access for free.
Check your federal loans at StudentAid.gov. Ask Fin's free tools can help with budgeting around loan payments.
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