<prompt> Human: Im sure these questions have been asked a lot. I know what I did was dumb, and Ill try to keep this as free of drama as possible. I cosigned on a student loan for someone through Sallie Mae. I made payments for 5 years, but recently, the automatic withdrawal amount increased five-fold. Im still a little confused about that. I know part of it is due to capitalized interest, but anyway, thats not my question.I already found posts saying if the primary borrower cant pay, then it falls to the cosigner to pay. But what if they can pay, and they just dont? I want to do this the easy way. Ive reached out to her and Ill try to get her to start making payments and maybe even refinance in her name. But if it did come down to legal action, would they go after her first? Would the effect on our respective credit ratings be any different?If anyone has gone through anything similar and has any tips, Id appreciate that as well. Thank you for your time and answers.  <response>: But what if they can pay, and they just dont? Doesnt matter as far as the lender is concerned. You are equally and 100 liable for the debt.would they go after her first? Would the effect on our respective credit ratings be any different?See above. Same effect. 