<prompt> Human: Good Morning.Location is Philadelphia, if that mattersIm trying to help my parents with their budgeting situation, and Ive run into a bit of a conundrum.My eldest brother Gary, lets say prior to joining the US Army, gave a semester of college a shot back in 1997. Through various means, he has had forbearance on said loan likely gathering interest at a dizzying rate. In 2009, Gary joined the Army, went on tour, was injured, and then declared 100 disabled by his military doctors. He is now receiving SSDI as his sole source of income, while he loves at my parents house. His wife left him shortly after becoming disabled, but that is another story - the important note being that he lost half of a households pay.A half-year back, my father, who I later learned cosigned on that loan many moons ago, received a letter stating Gary is delinquent on his loan and that my father will have to pay. My father has since been paying for the loan since.It just occurred to me that Gary may be eligible to have his loan discharged due to permanent and total disability. Im not sure how the cosigner role comes into play however.My parents have just turned 70, so Im worried about their ability to maintain these payments into retirement.Is it possible to discharge a loan that has a cosigner, if the cosigner is still able to pay?Assistant: So, how big is the loan? Is it private? What is your parents source of income?Human: I dont have a whole lot of details at the moment - Ill work on that. I know that it is serviced by Sallie MaeNavient.My pop retired from the Navy and now works at a deli. My mom has a full time job that pays approx 31K per year.Another thing to note is that my parents made the financially terrible decision of sending their 13 children through Catholic school. Ive been helping them tackle whatever debt they have from that balancing act.  <response>: my parents made the financially terrible decision of sending their 13 children through Catholic schoolThat all depends on the situation, really. Education is one of the best investments you can make, and if the local public schools were a lot worse then maybe it was worth it. Having successful kids will pay out a lot of dividends on that investment. It sounds like at least one of their kids is financially smart and trying to help them out. If all 13 had your mindset and stable income, you could obliterate any debt they have. 