<prompt> Human: Yes, since we broke up ive sworn never to co-sign or lend anyone else money without the mindset that its a gift and ill never get it back. She informed me shes filing bankruptcy yesterday. I was laid off last week and now i have about 3800 in savings with my own rent, insurance, credit card, phone, student loan payments totalling around 1000 a month. Ill get 920 every 2 weeks for EI and im probably not going back to work until mid-january at the earliest. Its a 5000 personal loan shes been paying since then and its fairly high interest. Is there anything i can do to avoid getting stuck with the payments 120 ish every 2 weeks or should i immediately call my credit union and see if they can take it on with a better interest rate?Edit: Shes willing to give me the money for it after filing as she has a full time job. The bankruptcy is mainly due to 3 large credit cards shes maxed and cant pay. We have an alright ish friendship so im willing to take this and be content even if i only get half the payments from her.  <response>: Youre screwed, right? Thats the whole point of co-signing, youre responsible for the payments if she doesnt make them.Converting it to a longer term, lower interest loan is probably your best bet.Good luck in your job search, stay positive. 