<prompt> Human: I know your stance on co-signing is almost always Dont do it! but I need someone to convince me not to for my particular situation. MeAge: 26Income: 71KyrSavings: 16K401K: 30KDebt: 0Her Age: 26Income: 50KyrSavings: 5K401K: 4KDebt student loans: 8K 3.61 20K 4.63 17.7K 6.55, 40.1K 9.8We both use YNAB, so I have a very good understanding of where our money is going. If needed, I can edit with some details, but I dont have access to that data right now. Currently I pay for 100 of our rentutilities allowing my fiance to focus her extra money on her debt. Even paying 100 of our rentutilities, I manage to save 1.1K per month, which is currently being saved for our wedding September 2018. Our wedding will be fully paid for in cash. That 9.8 loan is making progress difficult. Shes applied to refinance through SoFi but they declined her application due to limited work history. We tried again, asking for 40.1K with me as a co-signer and I believe theyll approve it at about 4.If I thought there was any chance of splitting up, I wouldnt continuing to pay for wedding expenses right now. If I use that same logic, Im not seeing why I shouldnt co-sign on her loan refi. No matter what that loan needs to be refinanced, its insane. Is there a reason to wait until after were married? What other advice do you have?  <response>: Not a day sooner than the wedding license is certified. 