I have been out of work for almost two years. I have a co-signer on a Sallie Mae education loan that I did several years ago. Unfortuantely I can only make payments of $200 per month on this $4000 loan. Is there anyway I can have the co-signer name removed from this loan so that I it does not affect their credit rating? How can I find another lender? What can I do so that this problem of mine does not affect anyone else? Thanks.