Student loan will appear on cosigner’s credit report as well as the student’s

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Dear Experian,

If I cosigned for a student loan, will the loan balance show on my credit report, or it will only show on the student’s credit report?



Dear CSY,

When you cosign a loan, you are agreeing to be equally responsible for the debt. Therefore, the loan will be included in your credit history, and can affect your creditworthiness and your ability to qualify for future loans. That includes cosigning for a student loan.

Any missed payments will be a part of your credit history. Also, future lenders will consider the debt and the monthly payments as part of the total amount you owe when determining whether they feel you are capable of taking on more debt. So, cosigning can affect your ability to qualify for new credit, even when all of the payments are made on time.

Before deciding to cosign for someone, it is important that you consider how it could affect your personal credit. You should always be sure the person you are signing with is also aware of how their actions can affect your credit history,

Thanks for asking.

The “Ask Experian” team

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