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

个账户的联署人吗 沃特金斯夫人？

2.You got a copy of this cosigner's ID?

们有联署人的身份证复印件吗？

3.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，重要的要注意，私人贷款通常比联邦贷款的利率更高，可能需要有一个联合签署人。