<prompt> Human: Warning Wall of Text: TLDR: Would co-signing to get a 4 interest rate reduction overcome the negatives of co-signing for a college loan?nbsp;Good day PF, you guys are amazing and has helped me through some hard times. My question today is on co-signing with my spouse to consolidated her college loans. I understand that it is highly recommended to never co-sign on a private college loan because you become responsible for the debt if the primary debt holder passes on. Many others say That is their debt, keep it in their name. But what I want to know, is there any time that it makes sense to co-sign.nbsp;Take my our situation.nbsp; My college loansLoan Amount RateMin Payment------------A 8000 2.875 110nbsp;Her Loans Loan Amount RateMin Payment------------B 22000 3.52 182C 6000 2.32 70D 10000 5.41 113E 18000 6.80 250nbsp;We wanted to consolidate her 10k, 18k, and 22k loan together with SoFi or other company at the variable rate of around 2 BUT they say she needs a cosigner because she does not make enough money to do it on her own. She teaches in Higher Ed and has her doctoral degree if that matters. We both have around 790 credit scores so that is not the problem.nbsp;Right now we are paying the minimums on all loans and decided to postpone fully funding our Roths and are throwing an extra 900 a month on top of Loan E. We then plan to roll all those payments on to Loan D, then Loan B and so forth until we are debt free. Dont worry, we are still paying in through my companys 401k no matching and her Teachers State retirement that is required. We also have 3 months in an emergency fund, and pay off our credit cards every month.nbsp;Looking at just Loan E, without consolidation it will take us 17 months and cost us 903 in interest. If it was consolidated to lets say 2.5 it will take 16 payments with an interest cost of 319. I know it is not a lot of money saved in interest but that is for only one of the loans.nbsp;So with all this said, would it make sense for me as the spouse to co-sign the student loan consolidation paperwork? In your opinions, does the money saved outweigh the risks of being a co-signer?  <response>: youre married, unless you are feeling like the marriage wont last, a co-sign will help your combined financial future.Only issue is if you divorce, it will be harder to give this debt back to her. Honestly, you are already paying for the loans together rand it looks like you are trying to pay them off early so that is a good thing as well. 