November 22, 2016
I currently have about $30k in student loans with a lender that I am super unhappy with. I would like to refinance, but am a stay-at-home mom and working only part time and have no plans to return to full time work until my children are in school (just had baby #2, so at least 5 years from now). My husband has a good income in addition to a pension that he is collecting. We both have excellent credit (mines in the low 800's). Is it even possible for me to refinance my loans without an income? Obviously my husband would co-sign, but are there any companies out there that wouldn't laugh at me for even applying?
May 3, 2014
With a cosigner, it is possible, but not likely. We also normally don't recommend cosigning on loans unless absolutely necessary. The only way to know for sure would be to put in applications and look at the results you get. In a situation like this, casting a wide net is probably your best bet.
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