<prompt> Human: When I was 20-21 in community college I became friends with a person twice my age. I was pretty reckless and got myself into a terrible financial situation credit cards, credit loans, you name it. This friend was worse off than me due to medical bills, etc, and was beginning a graduate program. She asked me to co-sign a student loan, to which I did because my credit was fucked and I did not give a shit about the future apparently. She asked me to re-up twice and I did. This was a combination of being a young stupid person and having a very manipulative friendship that did not end well. This person and I have not spoken in 4 years. Im currently 27, in my first year in a doctoral graduate program. I was able to work my way out of nearly all of my debt except for my ever-increasing student loan debt, including rebuilding my credit with a secured credit card! Yay me. But I received a letter in the mail today that reminded me about this past co-signature. It said that she was delinquent on payments. This is the first time I have received anything. I dont know anything about what is happening with this person. She was a toxic presence in my life and I do not keep in any kind of touch. However, just as Im starting to think about the future and become a responsible adult, Im reminded about the possibility of this person fucking my life up all over again, but thats another story. In doing some Google research I found nothing but hopelessness. What is my best case scenario other than that she has gotten her act together and pays everything off without any worries? I just need to have a realistic perspective on what my future could look like.  <response>: I just wanted to second the option to get her to refinance. You may have to manipulate her a bit as Im sure she manipulated you back in the day. Save up a bit of cash, contact her and say, Oh Jane Manipulator, I am so worried for you about this debt. Because I care so much about you, I want to help. Here is 2,000, why dont we sit down and refinance. I will help you fill out the Sofi or Lending Club or Prosper paperwork. Oh, you need some cash now and dont want it to go to the loan...okay, but only after you refinance and pay off the original loan.This absolutely rewards her bad behavior with cash, but at least it gets you off the hook for the debt. 