<prompt> Human: My fiance M26 and I F26 bought a 175k house in August of this year. We put down 20k. I have 77k in private student loans I know I was stupid and young and am paying for it now. We bought a house because renting where we live would have cost as much as a our current house payment.Basically my mom, who is the cosigner, does not help pay the student loans and has said she will not help me pay and wants to be removed as the cosigner. I have never missed a payment and have never asked for help financially from her or my dad. My fiance also doesnt want to help pay for my student loans which is a discussion for another time.I have been wanting to refinancing my student loans to get a lower interest rate but am having difficulty getting approved because my mom and fiance dont want to be a cosigner. I have been working really hard to improve my credit and have a score of 686. Is putting a house as collateral a good idea or would it be trading one problem for another? I dont really understand how it works, can I even use the house as collateral?I dont think my parents have good financial sense and struggle to know if what they are saying is a good idea long term.Is there someone at a bank or somewhere that I should talk to, to go over the nitty gritty of my loans and my options?x200B;Edit1: Wanted to say I know we could have gotten a much cheaper house but when we looked even in the 150k price range the houses were either run down to the point where we worried they would be money pits or where in non-ideal unsafe areas  <response>: If you cant get a loan by your self its because the bank knows that statistically you wont pay them back. Your mom is currently required to pay if you dont. She doesnt like this. I wouldnt change a thing just keep paying them down. 