# Why is the cosigner contacted directly?

URL: https://togetherloans.com/faq/why-is-the-cosigner-contacted-directly
Updated: 2026-11-02

Why contact cosigner directly? Ensures cosigners fully understand responsibilities and can afford monthly payments. Direct communication protects all parties.

We contact the cosigner directly so that we can be sure they understand their responsibilities as a cosigner.

The cosigner will have to pay the loan back if the borrower doesn't, so it's important they can afford the monthly payments as well as having enough money to live their normal life.