Is my spouse required to co-sign my application? February 27, 2020 00:33 No. We will only be evaluating the loan on your individual circumstances. Related articles Does the SoFi Medical/Dental Residency Refinance loan include a grace period? Are loans forgiven in cases of death or disability? Which are better, federal student loans or private student loans? Can my spouse and I refinance and consolidate all of our loans into one? What’s the difference between a co-applicant, co-borrower, and co-signer?