<prompt> Human: Capital one is ready to give me a car loan for 30k 3 but when I try to refinance the student loan I have 16k 10 they say that I cant do it without a cosigner. The car loan would add to my expenses while the refinance would actually lower them. What gives?  <response>: I guess they think a student loan refinance is a greater risk and less likely to be paid off. 