Been paying exes student loans for years and need advice

6 points6 commentssubmitted by Wr8theist to r/StudentLoans

Short history: when I was young and stupid, I co-signed a bunch of student loans for my then fiancé. We split and she refuses to pay. I didn’t pay for a few months, but it started tanking my credit and hers, so I caved. I now pay the minimum payment every month.

She has never paid a dime. She still lives at home and doesn’t work, so she doesn’t care about her credit. I’ve paid around $12,000 and still owe almost $20,000.

Question 1: Do I have any grounds to sue her for anything? If I do, does it really matter if she doesn’t have income?

Question 2: Should I start paying these down more aggressively? The interest rates range from 4.375 to 5.25. I have a mortgage and an IRA, so I’m not sure if I should put more money towards these or her loans. Obviously I’m paying my mortgage, but I could pay it off quicker.

Thank you!

Edit: I lived in PA when these loans were signed.