I have a 23 year old female friend who is very trusting and sweet, yet hopelessly naive and she has asked me for advice. Unfortunately, I need to seek your advice on this subject as well. Here is the story: Exactly two years ago, she is living with a young man who is a student in college. While she was very responsible with her credit and finances, he was not. One day, he approaches her and asks her to co-sign for this loan so that he can do some things to prepare them for marriage. Her, being in love and "hopelessly naive", signs it. She never gets a copy and has no idea what she really signed as she DIDN'T FREAKIN read it. This is incredulous to me, however it is true. One month ago, she attempts to purchase a car and is told that she has good credit except for this student loan that is 120 past due. It turns out that this loan was actually a student loan for over 12,000. It is made up of: $6,430 for educational expenses $5,000 for a computer and a 7.90% fee for the loan. He set it up to only pay interest ($100 per month) until 6 months after he graduates and then the principal will be paid. He has been extremely cavalier about the payments and now her credit is being hurt. The contract states that she and this scumbag are both jointly and severally liable. I look at her credit reports today and they are great except for this. She didn't even have a copy of the loan paperwork until she sent a validation letter to the loan company that I plagiarized from our local visiting amphibian. Here is where YOU come in.... I will work with her on her credit report and I have advised her to start paying the loan herself to salvage her credit. What I want to know is how she can legally recoup anything from him. Yes, she was naive and silly, however, it doesn't justify the following: He never used the loan for its intended purpose. He bought a truck, paid off old debts and bought cool stuff for himself. He isn't paying and now she is stuck. I read the loan app and it is fraudulent. He lied on both his and her portion. Is it possible to take him to small claims court to get some relief? If so, on what grounds. Your legal advice is much appreciated.