Are you a cosigner on that account, Ms. Watkins?

你是那个账户人吗 沃特金斯夫人？

You got a copy of this cosigner's ID?

你们有人身印件吗？

However, it's important to note that private loans often come with higher interest rates than federal loans and may require you to have a cosigner.

然而，重要是要注意，私人贷款通常比邦贷款利率更高，可能需要你有一个合签人。