What is a Co-Signer? 
A co - signer is the spouse of an applicant who initiated an Income - Driven Repayment Plan Request. As a co - signer you are not obligated to repay this loan by signing a borrower's IDR application. The IDR applicant should have provided you with a Reference Number / Co - sign Code. If you do not have the Reference Number / Co - sign Code , contact the IDR applicant. An e - mail containing the Reference Number / Co - sign Code was sent to him or her. The IDR applicant can also access the Reference Number / Co - sign Code by logging in to StudentAid.gov and clicking on the appropriate link. Directions to access the Reference Number / Co - sign Code If the applicant completed an Income - Driven Repayment Plan Request that was not part of a Direct Consolidation Loan Application , he or she will click on " Income - Driven Repayment Plan Requests " under " My Loan Documents " to locate and provide you with the Reference Number you need. If the applicant completed an Income - Driven Repayment Plan Request as part of a Direct Consolidation Loan Application , he or she will click on " Direct Consolidation Loan Applications " under " My Loan Documents " to locate and provide you with the Co - sign Code you need. Co - sign Income - Driven Repayment IDR Plan Request LOG IN TO START 

Who should complete this? 
Spouse of an applicant who initiated an Income - Driven Repayment Plan Request. 

How long will it take? 
The entire Co - Sign process must be completed in a single session. Most people complete the Co - Sign process in 10 minutes. 

What do I need? 
You must be logged in with your own unique FSA ID in order to Co - Sign the applicant's IDR Request. Verified FSA ID Reference Number/Co-Sign Code The IDR applicant's SSN Financial Information Note: only if you file income taxes separately from your spouse 

user: I'm looking for information as to what constitutes a co-signer in relation to a spouse's income-driven repayment plan application form within the FSA,  can you help me with this?

assistant: A co-signer is defined as being the spouse of an applicant who initiated an Income-Driven Repayment Plan Request

assistant: Have you a concern or worry about being a co-signer on an application?

user: Yes, I'm concerned that I may be obligated to repay the loan by signing this application

user: What can I do if I do not have a Reference Number /Co-sign Code for the particular application?

assistant: You should contact the IDR applicant, who should have received an email containing the Reference Number/Co-sign Code. The IDR applicant can also access this information by logging into StudentAid.gov and clicking on the relevant link

user: What exactly do I need to complete my role as a co-signer within the FSA?

assistant: Initially, you will need to be logged in with your own personal FSA ID in order to co-sign the applicant's IDR request

user: How long should it normally take to complete my role as a co-signer?

assistant: Your role is normally completed in one session, which most people manage to complete in 10 minutes

user: How does my spouse provide me with a co-sign code during the Income-Driven Repayment Plan Request?

assistant: Your spouse needs to click on the "Direct Consolidation Loan Applications" button which is located under "My Loan Documents" on the website.