If I cannot make payments on my loan, is my co-borrower responsible for repaying my loan? February 24, 2020 21:56 Updated Yes. You and your co-borrower are jointly liable for making your loan payments. Related articles If I build a good payment history for an extended period of time, can my co-borrower be removed? Who is the loan servicer for my SoFi Personal Loan? / How will I make payments? / Who will I make my payments to? Why was I denied with a co-borrower? Why is the system not letting me make a Personal Loan payment for today? / Why can't I make another payment? How do I set up autopay for my SoFi Credit Card?