<prompt> Human: This past academic year 2017 - 2018, I had to take out private loans from Sallie Mae for two of my three quarters there. I took out the loans with a cosigner with neither of us quite understanding the responsibilities of the cosigner. In total, the loans came out to be around 18k USD, and since we were opening a new account through Sallie Mae, these two new loans brought down the average age of my cosigners debt by a lot. It dropped my cosigners credit about 70 points from around 800 to 730. My cosigner is a little panicked, so I was wondering if there is ANY way to alleviate the drop in the credit score. Thank you, and yes, we are stupid and didnt do any research.  <response>: Not really, as a cosigner the loan is theirs as much as its yours. The only way would be to refinance them off the loan. 