<prompt> Human: About two years ago, my girlfriend consigned for a car loan for a friend of hers. Fast forward to now and the friend is not paying the car payments and is being really shady about certain things. The lender has even called my GF several times saying the friend has missed payments. My GF would call her friend and, obviously, be livid. My GF now believes that her friend called the lender and changed my GFs number, so they would stop calling her. She really wants to take her name off the loan. What are her options? Can she call the lender and tell them to tow the car? My GF also wants to know how that will affect her credit if she were to default on the loan.Any help would be appreciated. Thanks.  <response>: Her friend would need to refinance. Can she call the lender and tell them to tow the car? Is she on the title? If not, she cant legally do anything with the car. And even if it was repossessed, they would sell it for whatever they could and she would still be legally responsible for the rest. My GF also wants to know how that will affect her credit if she were to default on the loan.It will cause her credit to drop significantly.There is absolutely no difference between being a cosigner and taking out the loan. If she took out the loan and did all of this, there would be the exact same consequences. This is why people here are so strongly against cosigning. 