I am in need of urgent help. I am on H1-B (work visa) and I have a student loan with discover with $12,000 remaining. When I came to the US I had a co-signer who helped me get a loan from discover. Now, he wants me to pay it off ASAP. I paid $20000 out of $32000 last month and now the remaining balance is $12K.
I checked multiple banks online but most of them requires US Citizenship or Permanent residency, I don't have either. I checked pre-qualification with Citizens but they denied me. I checked pre-qualification with Sofi, they approved me with 5.28% but I am not sure how reliable is their pre-qualification since they did not ask for my social security.
I am making $72K annualy as of right now. My FICO 8 is in between 690-698 between 3 CRAs. I have 3 missed payments with BofA and a charged-off account with Citi which was settled back in 2015.
What are my options? I don't have any other co-signers. Unfortunately, Discover won't let me remove co-signer since I am not a citizen.