[PJ]

Holy. Shit.

Came in here thinking OP was THINKING of co-signing. This just... wow.

I don't even... know what to say.

That is one messed up situation.

Based on the information given.. I think I'd go to her family and explain to them what's happening. It's a bit of a dick move on the surface, but if I put my neck on the line for a girl, and she cheats on me and lives lavishly like a moron when she should be paying off a debt, then she doesn't deserve any respect or sympathy.

But legally... You're outta luck, brother. Very, very, unfortunate situation. God damn, just reading that got me stressed.