If I build a good payment history for an extended period of time, can my co-signer be removed? February 24, 2020 23:07 Updated No. The cosigner can only be removed if they pass away, or if you chose to refinance your SoFi loan and qualify on your own. Related articles Why does my co-signer have to sign the agreement without seeing the rates? Do you require or accept co-signers for Student Loans? What documents are required for my Student Loan Refinance application? How do I add a co-signer to my loan? If I default on my loan, is my co-signer responsible for repaying my loan?