How can a cosigner remove themselves from a Sallie Mae loan?

Per your update, your ex is probably not responding because he most likely discovered that if he refinances on his own, that he either won't qualify or his interest/payments would be higher....Additionally, he probably likes having his ex father in law on the loan because if he defaults, they'll come after him. You "may" want to consider offering your ex some sort of cash incentive...like giving him $1,000 or so if he will get your dad off this loan. If it were me, I'd do it to get out from Sallie Mae's evil grip. I hope your family learned a valuable lesson about co-signing loans. ---------------------------------- A Sallie Mae loan is the worst possible type of loan your dad could have co-signed for. Lucky for him your ex is still paying on time. As long he keeps the account current it won't damage your credit....but the amount of the loan will affect his debt/income ration and this account affect his ability to get new loans. In terms of getting your dad off this loan...the ball is totally in your ex-husband's court. Hopefully your family is on good terms with him. He will have to re-finance this loan himself to get your dad off the loan. If he has bad credit...this won't happen....or he'll have to find another co-signer with good credit.

Ryan is absolutely correct. There is no way to force Sallie Mae to take your dad off as a co-signor. In fact, in these economic times, they are less likely to remove a co-signor than before. The only way his name is going to be removed is if your ex re-finances the note just in his name or the note is paid off. You can best judge whether your ex is likely to get a loan in just his name, but, even if he can, you can't force him to. I'm sorry, but your father is stuck till that note is paid.

Why is it no one has talked to the ex and asked HIM to start the paperwork to get dad off the loan? It's apparent you cannot do much of anything without the ex being in the mix here.