<prompt> Human: My GF has around 90k in student loans. Wells Fargo is the lender for all of her private student loans. She works as a RN bringing in around 50k a year. Their reason for requiring a co-signer is her debt to income ratio is too high. Other lender programs like SoFi say the same thing. Her parents will not co-sign. I could understand if this were some other type of loan that bears more risk of bankruptcy forgiveness. But since student loans stay with you forever, I find it odd anyone would need a cosigner. Is there anything she can do to save a little bit interest money?  <response>: Banks are always in a tough spot. If they are too tight on lending standards people complain they wont lend to people except the rich. When they are too loose on lending standards, people accuse them of predatory lending. Why do you want to refi? What are the rates? Are you trying to lower rates, extend the term, get a fixed rate? Does she have other debt like car payment, mortgage, etc? 