Co-signer or Endorser

If your credit was denied, you have the opportunity to contact the Direct Loan Servicing Center to pursue a co-signer or an endorser for the loan.

If you choose to pursue a co-signer or endorser, you must:

  1. Notify the Financial Aid and Scholarship Office of your intent to pursue an endorser.
  2. View your MySJSU for updates to the "Offer/Accept" status on the Direct Loan PLUS.
  3. Once the Direct Loan PLUS is in "Offer/Accept" status, contact the Financial Aid and Scholarship Office for a loan ID number.
  4. Your endorser will use the loan ID number to log into studentloans.gov using their FSA ID. The endorser will fill out an Endorser Addendum.
  5. At this point, you must inform the Financial Aid and Scholarship Office that the endorser was approved for the loan.
  6. You, the student, may then log into studentloans.gov to sign the Master Promissory Note.

For more information on adverse credit, visit Federal Student Aid FAQ's and click on credit check.