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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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If I need to have a co-signer on my student loan, can a creditor require that it be my spouse?

Answer:

No. If you do not individually qualify, the creditor may request a co-signer, guarantor, endorser, or similar party. 

Your spouse may function as this additional party. But a creditor cannot require that it be your spouse. 

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