<prompt> Human: Hi there. Throwaway account obvs.So, my hubbie tried to kill himself a little over a year ago. Long story but - It resulted in us moving away from his family and in with my parents. He also lost his job due to the injury he sustained broken neck, shoulders, some more.After a long recovery, he is so much better. He cant lift heavy objects any longer due to the surgeries, so returning to his old job would be impossible, so since we were nearly out of debt and saving loads with cheap rent at my parents, I thought he could be stay-at-home dad with our child 2 year old while I worked. Fast forward to last week when his parent springs an Im not paying my half of the student loan for you anymore. His parent is a cosigner on this loan which just went up in amount needing paid, to the point that I cant afford it on my current budget with just my income.Heres where I get to my question: I know despite any agreements they had with each other, my husband is still responsible for this loan. Plus, due to our desire to have little contact with the cosigner, for reasons relating to his suicide attempt, wed just like to take it on and unattached ourselves from his parents. I have suspicion that theyre expecting us to beg them to help us, thus bringing their abuse back into our lives. So where do I begin in refinancing this student loan about 45000? Also, hubby has expressed interest in getting a work-at-home job, so if there are any stay-at-home parents with good leads on those out in Redditland, Ill be happy to hear it. Thanks, everyone!Assistant: if theyre a cosigner, just stop paying. both of you are responsible, and they probably have more resources and more to lose from a delinquent account.Human: The thought had crossed my mind. Hes not technically bringing in income. They are. Blood from a stone I guess, though Id prefer paying, of course... When we can!  <response>: Keep in mind that this strategy is completely dependent on how your two financials are interconnected. Anything with his name on it would be enticing for a collections agency. If you dont have anything joint, then it might be a good option. 