How to Write a Guarantor Letter | Step-by-step Guide

A guarantor letter is a common requirement for job applications, school enrolment, loan placements, etc. 

A guarantor letter is a written and legally binding commitment to take responsibility of an individual’s default in certain obligations. 

This article will guide you through the key essentials of writing a guarantor letter. By the end of this practical read, you’ll know how to write a guarantor letter for a student and for a worker. 

Table of Content

What is a Guarantor Letter? 

A guarantor letter is a formal written document in which a person (the guarantor) assures a receiving party of an individual’s good conduct and agrees to be held accountable if the individual in question fails to meet their obligations to the receiving party. 

For clarity, here are the key points: 

• The receiving party has entered into a professional relationship with the primary party, and needs assurance that the primary party will not fail in their obligations 
• The guarantor steps in as a third party to this professional relationship, providing the assurance that the receiving party needs, and committing to take responsibility if the primary party breaches the terms of engagement 

Your guarantor could be your mentor, boss, landlord, etc. Most organizations would not accept a guarantor letter from someone directly related to you, such as your mother or brother.

Also read: How to Write an Application Letter in Nigeria | Step-by-step Guide

Types of Guarantor Letters 

The most common types of guarantor letters include: 

• Loan guarantor letter 
• Tenancy guarantor letter 
• Bail guarantor letter 
• Employment guarantor letter
• Academic guarantor letter 

This article will focus on how to write a guarantor letter for a student and a step-by-step guide on how to write a guarantor letter for employment. 

How to Write a Guarantor Letter 

Now that you know what a guarantor letter is, let’s discuss how to write it. This section covers two major types of guarantor letters: the one for school and the one for employment.

How to Write a Guarantor Letter for a Student 

Before you learn how to write a guarantor letter for a student, you should understand the legal implications of a guarantor letter. 

A guarantee letter means that you’re attesting to the character, reliability and trustworthiness of the student in question. If they fail to meet the obligations guaranteed for them, you would be held responsible, and the consequence may include financial commitments and legal action. 

Hence, it is advisable not to write a guarantor letter for someone you’re not too familiar with and whose character you cannot wholeheartedly vouch for. 

Once you’ve made your decision, follow the steps below to learn how to write a guarantor letter for a student:

Step 1

First things first, write your name and address at the top right corner of the page.

Step 2

Move one space down on the same corner, and write the day’s date. A sample of the first two steps is provided below: 

Mr. Sule Audu, 
Plot 123, Christ Embassy Lane,
Jikwoyi, FCT-ABUJA 

1st January, 2021

Also read: How to Write a CV in Nigeria | Step-by-step Guide

Step 3

Now move one space down on the top left corner of the page, and write the recipient’s name or position, address, and. a formal salutation. Ensure to leave a gap before the salutation, i.e: 

The Vice Chancelor,
Women of Hope University,
No. 11, George Bush Street, 
Ikoyi, Lagos state 

Dear Sir/Madam, 

Step 4

Up next on how to write a guarantor letter for a student, draft the heading of the letter. It should read something like this: GUARANTOR LETTER FOR {STUDENT NAME}

Step 5

Introduce yourself and state your relationship to the student. Write the student’s full name, Faculty and ID number for reference. 

Pro tip: When introducing yourself, you may also indicate that you’re a person of good standing in society and capable of covering any losses incurred by the student, both financially and legally. Such information adds more validity to your guarantor letter, attesting to your own character and capacity, as no institution will take a guarantor letter from someone who has an ugly reputation. 

Step 6

The sixth step involves the undertaking itself—here, you’re to state your attestation of the person’s character and your willingness to take responsibility for any mishap caused by the person.

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Step 7

Finally, reiterate that you understand the legal implications of the letter, and you are willing to comply. Sign out and provide your contact details.

Here’s a sample draft of steps 5-7 on how to write a guarantor letter for a student: 

I, Mr. Sule Audu, a person of reputable character in society and the mentor of Frank Bonn, a student of your school, Department of Sociology, ID number ________, do hereby guarantee that:

• My mentee is a disciplined and well-behaved individual, with no record of indiscipline, expulsion, etc., from his previous schools;
• my mentee will be disciplined and properly behaved throughout his studies at your school; he will refrain from violence, cultism, exam malpractice, and other negative actions that may cause harm to himself or the school at large. 
• I guarantee that I will be held accountable and liable for any debts, losses or legal actions incurred by my mentee.
• I guarantee that I am capable of settling any financial obligations that may arise from the misconduct of my mentee. My 6-month financial statement is hereby attached for your perusal. 

I understand that failure to comply with my commitment in this undertaking may result in legal action. Thank you for your time. 

{Sign}                                                                       

Mr Sule Audu

+2348127………..

IN THE PRESENCE OF:

NAME:

POSITION:

SIGNATURE:

DATE: 

Also read: 10 Business Ideas for Students in Nigeria

How to Write a Guarantor Letter Step by Step Guide for Employment 

The previous section explained how to write a guarantor letter for a student. But students are not the only ones who need guarantor letters—employees do, too. So this section will cover a step-by-step guide on how to write a guarantor letter for employment. 

A guarantor letter for employment is pretty much the same as any other guarantor letter. It has the following elements: 

• The full names and contact details of the guarantor and the employee, and the relationship between them
• The place of employment and contact details of the recipient 
• A declaration of the guarantor’s willingness to be held liable
• The guarantor’s signature and sometimes a passport photo or identification details

Now let’s dive into how to write a guarantor letter step-by-step guide for employment: 

1. Write your name and address at the top right corner of the page.
2. Move one space down and write the date.
3. Move another space down, but this time, on the top left corner of the page, and write the recipient’s name or position, address, and a formal salutation
4. Write a heading for the letter
5. Introduce yourself and state your relationship with the employee, including their full name, position, and staff ID number for reference.
6. Attest to the employee’s character and your willingness to take responsibility for any damage caused by the person. 
7. State that you understand the legal implications of the letter, and you are willing to comply. 
8. Finally, sign out and provide your contact details.

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Samples of Guarantor Letters for Employment

You’ve seen how to write a guarantor letter step by step guide for employment. You’re probably ready to start drafting, but first let’s show you some samples of guarantor letters for employment. 

These samples help you visualise the step-by-step process outlined in the previous section. 

Sample of guarantor letter for employment 1

A simple guarantor letter for employment 2

Sample of guarantor letter for employment 3

The samples above are in WORD format, so you can easily duplicate and use them as templates for your own guarantor letter.

Frequently Asked Questions

Conclusion: Ready to Write Your Guarantor Letter?

This article has covered how to write a guarantor letter. So whether you’re writing for a student or an employee, you’ve seen the steps on how to write a guarantor letter for a student and how to write a guarantor letter step-by-step guide for employment.  

Remember that a guarantor letter is a legally binding document, and you must be willing to take all responsibility associated with the guarantee. It’s best to seek legal advice if you’re unsure of whether or not to write a guarantor letter for someone. You can also see our article on how to write an undertaking letter.

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References

• https://eduprojecttopics.com/how-to-write-a-guarantor-letter/ – How to Write a Guarantor Letter in Nigeria