<prompt> Human: Due to certain circumstances in my life I had to suddenly drop out of college and stopped paying my loans. Its been about 7 years. My mom was a cosigner and now she is being sent letters for legal action towards the loan. Is there a way out of having my mothers wages being garnished and possibly not paying the loan? The original amount was for less than 12k and they are trying to collect over 64k  <response>: If they havent taken her to court yet youher can try to work out a payment agreement.No, you cant ignore your debt for 7 years and then just expect it to go away. There are loan forgiveness programs for federal loans, which are contingent on your paying, but this isnt federal if your mom cosigned. They have no reason whatsoever to forgive it. 