My main questions here are whether there are stipulations about when the loan was taken, when the course of study finishes, and if having a cosigner affects whether one qualifies.

I'll just give my data and see if anybody can find this out for me: Say I have a student loan from Sallie Mae that was taken around January of last year, for a course of studies that terminate in October. One thing I'm wondering, I definitely make (way) less than the income, in fact I make pretty much nothing. But in order to get a loan in the first place I needed to have my parents co-sign, and I'm pretty sure they make more than 125k. Does the income of a cosigner come into play here, or can I still get $10k cancelled?