<prompt> Human: She has approximately 84,000 in student loans total and no other debt. She will be graduating soon, and will hopefully get a decent paying job in the nursing field Bachelors of Nursing, though for the first time she will have a full host of living expenses too.I get it, I cosigned, I might be on the hook for this. We were married and planning for a better life when the first 2 loans were signed, and the 3rd was about the time we separated and were still trying to work it out... Im not whining here, Ill pay it if I have to, but just wanting to know if I had options Im not aware of.I am worried that she will not properly keep these student loans paid up to date, but am not sure what recourse or options I have during the divorce to counter that fear, other then potentially end up paying for these 29,000 myself. I make 150,000yr, its not going to destroy my life if I have to pay them, but its never fun to throw money away, basically.In our discussions, she asked me to help her out by paying the payment on these loans for the first year while she establishes herself and gets her life in order. She has said she will pay all the loans on time every month, but I know how she gets when things get tough and I want to protect my credit score...The paperwork will be drawn up next week, so just wanted to see if I should consider putting something specific in it as part of the divorce in regards to these loans.These loans I am cosigned on are Sallie Mae Smart Option loans, there are 3 of them, 2 at 6.75 and 1 at 8.5 interest.Will she be able to consolidate these loans and take my name of them once she has income? If she cant consolidate them for any reason, and if I cant remove my name, can I consolidate them so at least its a better interest rate if Im going to get stuck paying them? And if so, should I just do it in my name, so I know it gets paid and then just hope she pays me back directly?Do I have any other legal options in the divorce I should consider in regards to these loans? Ill talk to a lawyer as well, just looking for optionsThanks for the help!  <response>: Refinance and make it part of the divorce settlement. No joint liability from now on; thats what divorce is. Its not going to be cheap for either one of you. 