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Cosigner Release allowed if an account is in current standing, after 36 months of consecutive and on–time payments with a borrower FICO greater than 699 and minimum income requirement of ,000 for loan balances up to 0,000, and income requirement of ,000 for loan balances over 0,000 with no foreclosures, repossessions, wage garnishments, unpaid judgments or other public records having an open balance exceeding 0 during the last 7 years.