<prompt> Human: My original post on this topic is here: After excellent advice from reddit and reevaluating my own circumstances my girlfriend and I came up with a plan to help pay down the principal on her 35,000 loan and save some interest. We felt we were each able to put in a lump payment off 5,000. The total 10,000 payment saved 1400 in interest over the remaining life of the loan. She will be done with the remaining 25,000 in 2 years and will then pay me back the 5000 she borrowed interest free. Its not the optimal solution for everyone but in our situation we think its a good idea. 1400 dollars doesnt grow on trees and Im happy to help her save it.  <response>: My advice would be WIFE YES, girlfriend NO. But since it done, get it in WRITING! and An oral contract is only as good as the paper it is written on. 