<prompt> Human: Not sure what to do here. 40k in private student loans at 11.5 going into repayment in one month. Need to refinance. Problem is she is pregnant and I dont see her going back to work any time soon.All the refinance options seem to have income requirements but also say not to include household income???, though one of them had a co-signer option so we are exploring that.Either way I want to get this thing refinanced at a lower rate and start paying on it...Any ideas?  <response>: I mean if your willing to cosign on it then I dont see why youd have an issue. Just use your income and info and let the lender know you want to be on the note. 