<prompt> Human: Weve been divorced for over three years, and the only thing that we still have both of our names on is one student loan currently being administered by Navient. She hasnt been keeping up with the payments on it and it is starting to seriously affect my credit not to mention that Navient will not leave me alone, no matter how many times we both tell them we are divorced.During the divorce, we both just took our bills and didnt put anything in the divorce decree. It hasnt been a problem to this point because money wasnt anything we argued about, and we didnt have a problem splitting things up between us and truthfully, neither one of us wanted the court to be involved in our business.So, how do I get out of this? I am sick and tired of hearing from Navient, and I cant do anything about this loan in regards to my credit, except for paying on it. Do I have to go back to court and get my name off of it that way? Or am I stuck with it until it gets paid off?  <response>: Unfortunately for you, co-signing means you agreed to be responsible for paying the debt, period. There is no loan agreement out there that says I agree to pay this debt, unless we get divorced. That would be a huge loophole and would invalidate the whole point of co-signing, which is to make the loan less risky by promising that youll also be on the hook for it. 