<prompt> Human: About a decade ago, my niece was in college while my sister had to declare bankruptcy with her husband and my mom was too soft and agreed to co-sign my nieces college loans. My mom always believed she would pay them off and not miss payments. Fast forward a decade and the good news is my niece hasnt missed any payments, but from what my mom can tell she hasnt made much or any? progress on the principle and its negatively affecting my moms credit her car insurance premium went up recently, so she started looking at her credit more carefully.My mom is retired and lives on a limited fixed income. Ive recommended her having a discussion with my niece and my sister about my niece getting her off as a co-signer, by refinancing or having lender make my sister the co-signer, as soon as possible. Any other advice I should give my mom? Thanks in advance!I wont go into the other poor decisions my mom has made trying to help my sister out of terrible decisions...Edit: edits for clarity  <response>: Your moms niece cannot just remove a co-signer. She can only do that if she can refinance the loans in her own name. That will require good credit and sufficient income. Co-signing is risky because unless the person taking the debt can pay the money upfront or qualify to finance the loan in their own name, there is no way to remove a co-signer without the lenders permission. 