I graduated from XXXX University in XXXX, Ohio and I have a large sum of private student loans from XXXX XXXX/Navient XXXX {$80000.00} ) in which my father is my cosigner. After I graduated college and started making payments on my private loans, I wanted to look into how to remove my cosigner. The loan holder company informed me that to remove my cosigner I had to make 12 months of principal plus interest payments and then submit an application. I followed this advice and made those payments for 12 months. When I contacted the company to ask for the application, another individual told me I was misinformed and that my loan actually required 24 months of those payments. She also told me that my balance needed to be significantly lower in order for my application to be approved. After discussing it with my cosigner, the decision was made to not continue making those large payments for another year because it was suggested that we would not be approved anyways. Fast forward a couple years and my cosigner 's health is not in good standing. With the threat of having to owe the entire loan back whenever he passes, I reached out again to see what I could do to have him removed as my cosigner. Interestingly enough, I was told 12 months of principal plus interest payments. When I learned this I asked if I could go ahead and apply since I had met that requirement a couple of years ago. They informed me I was not eligible because those payments have to be made in the 12 months before I apply. I am hesitant to make such payments again when they seem to be inconsistent among their employees. I was informed that their policy can be changed at any time. My fear is if I made these payments again XXXX which is financially hard to do XXXX that they will just tell me different information when I ask to submit an application for cosigner release.