<prompt> Human: I have a student loan though a private lender that i have payed about 40 of off and i have decided to go back to traditional school, as of right now i am job less being supported by family but i still have my other loan to pay off. My issue is that my grandfather and mother who is co-signer on my first loan are encouraging me to A wait and pay off that loan until either next semester when i may have scholarship money to pay for my university tuition and then they will help me with the first one or,B wait until i graduate from university, which will be no more than 2-2.5 years, to pay it offwouldnt both of those, and especially B, hurt my or my mothers, since she is my cosigner, credit more than would be worth it? or is there some third option that i have not thought of yet?as far as finding a job after i graduate, with the field that im going into, finding a job paying 45K a year should be hard, im not an art major or anythingand help is greatly appreciated in advance  <response>: If the lender does not offer some form of deferment for while youre still in school, then yes, not paying is going to trash your credit, and the credit of any co-signers attached to those loans. 