How Can I Avoid paying Sallie Mae Loan as a Co-Signer?


Dear Steve,

My ex-fiancé wanted to take an online business course and he needed to take a loan so I co-signed for him and we got the loan through Sallie Mae, and we ended breaking the engagement last year, since the break of the engagement I have reached out to him via email to remove me as a co-signer or payoff the loan, he did not remove me and now he is not even in the country.

What can I do to avoid having to pay off his loan, and is there any way to get a settlement with Sallie Mae?



Dear Priya,

There is no way he could remove you. The relationship of the cosigner to the agreement is controlled by the lender, not the borrower.

Hopefully you’ve now learned to never cosign for anything. As a cosigner you agree to be 100 percent responsible for the debt if the borrower does not pay. That sure sounds like what has happened in this situation.

Even if you were to settle your liability for this debt, it would not release your ex, which is probably perfectly fine with you at this point.

You will probably want to read This is How You Can Settle Your Navient Student Loan. At this point there is too much unknown information about the debt. For example, it might be the loan was to a school which is not accredited, this might be a private student loan, and it might be dischargeable in bankruptcy. See These Private Student Loans Can Be Easily Discharged in Bankruptcy.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

Steve Rhode

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