<prompt> Human: My wifes parents are refinancing their credit card debt to have one single payment. For college, Wife took out a private loan and her mom cosigned said loan, and weve been paying it off since graduation, have never missed a payment, and always pay extra. Its down to a balance now that if we needed to, we could pay the whole thing off today. As a part of the in-laws debt refinancing, the credit union wants to fold in my wifes private school loan for which her parents cosigned. A few questions...Why would they want to include a loan my in-laws cosigned for that is in good standing and the responsibility of an outside party?Is the inclusion of this good standing debt in any way advantageous as in-law pursue refinancing?If we agree to hand over the loan, will this in any way adversely affect my wifes credit?Will this refinancing link my wife to her parents finances?  <response>: Why would they NOT want a full picture of their credit liabilities? Each credit profile will stay seperate, sounds like theyre just trying to do their own underwriting and not have to pay the g fee for conforming mortgages 