Hello, I have Loans, however my wife does not and as such has never even had a Studentloan.gov account. We file Maried joint. For last several years I have been on IBR and all that has been required was submit our joint taxes, she hasn’t had to sign anything. Now I am moving from IBR to REPAYE. In filling the app out, it tells me she needs to create an account and co-sign the app with a code.

My concern is, I have gone out of my way to isolate my wife and family from my student loans and while her co-signing the financial statement is not an issue itself. I want to know she isn’t signing anything saying she agrees to actually make payments. Basically up until this I was confident if I something happens to me, The loans expire with me. I am worried by her signing this she is agreeing to be liable for the loans as well if something happens.

I suspect this is not the case, as she didn’t and won’t sign MPN. However, I just want to confirm that I am correct in this matter.