<prompt> Human: My girlfriend bought a car last year so she could work and get out of her parents house due to an abusive situation. She didnt have any credit history whatsoever and she needed a cosigner at the time so she asked her dad for help on that part. His credit is terrible and even with the cosign, they were only able to get a 21 APR.She has made consecutive payments and has somewhat of a credit history and now wants to refinance her car under her name so she can lower the APR. The problem is that they recently had a falling out and her dad will not let her refinance under her name because it is also helping build up his credit as well. Basically, is there anything that can be done at this point? Is she stuck?Assistant: She doesnt need his permission unless hes the primary debt holder. Human: Unfortunately, when she bought the car, the car sales person that was working with her lied to her. My girlfriend asked the sales person multiple times why the loan agreement listed her dads name first when she was buying the car and the sales person told here that my girlfriend would be the primary. 2 months later when she checked the account, that wasnt the case.So she really is stuck.  <response>: Since hes primary, she should just threaten to stop paying. PROBLEM SOLVED! 