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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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My creditor said that my spouse had to co-sign my student loan agreement. Is this right?

Answer:

In general, a creditor cannot require your spouse’s (or another person’s) signature for individual credit if you qualify on your own for the amount and terms requested.

If you do not qualify for individual credit, however, a creditor may require a co-signer but that person does not have to be your spouse. 

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