<prompt> Human: Ive been following this sub recently and have read some great things. Having been recently married and about to have a child soon I wanted to finally start becoming financially responsible. Long story short, I got bullied by my parents and guilt tripped by my younger brother into cosigning his student loans which totals close to 75k. After years of fighting and not talking to them weve back on good terms...However, Im constantly getting notices, phone calls and mail stating that payments havent been madeare lateor the account is delinquent and will be sent to collections if a payment isnt made soon. Im getting tired of this and of the thought that this could mess me up in the long wrong if this continues much longer. Is there any way out of this or am I stuck with it for the life of the loan? Thanks in advance for any help as this his become one of my favorite subs.  <response>: You can pay them. Thats what co-signing obligated you to do.Other than that, no...since its obvious neither your parents or brother have good enough credit to refinance them. 