<prompt> Human: Title pretty much sums it up, but here are the details: I am 27, making about 100kyear, living in a major U.S. city alone in an apartment no spousekids. Rent is about 1300month. All other expenses about 700month, and I have my safety 6months of living expenses retirement. I graduated with about 90k in student loan debt. My salary has increased fairly dramatically in the years since graduation about 40k total in raises - Basically, I live comfortably, but nothing extravagant The debt is now at about 58k. Here is the breakdown: Loan 1: 16k at 6 in my name Loan 2: 34K at 7.9 in my dads name Loan 3: 7.5k at 8.5 in my dads name I can get a loan through SoFi to cover the remaining amount of all loans at an interest rate of 5.375. My credit score about 730.Okay, finally to my question. If I take out that loan through SoFi, will no doubt save money over the remaining life of my loans. HOWEVER, the loans in my dads name will now fall under my name. If Im paying on these loans anyway, is it worth it to take them under my name? Yes, I know legally theyre in my dads name, but at this point its not worth stress on the family to just stop paying and pretend like they dont exist.My financial situation is far better than my dads whos near retirement, and I work a stablegrowing job market with high salary potential as I continue to climb the corporate ladder. I appreciate any thoughts here.  <response>: If they are your loans, and you are going to pay them; why not relieve your dad of any potential mental stress of being the co-sign? 