Student loans

I co-signed a friend's private graduate student loans in 2005. She was an international student, which is why she needed the co-signer to get approved. In 2007, she had a stroke and moved home to Costa Rica. She hasn't gotten a job and taken responsibility for paying the loans since then. How can I get off of the loan agreement as a co-signer? Ryanne, Washington D.C.

My husband and I have extra money each month, a healthy emergency savings account, and we save for retirement through our work plans. (I should point out we are in our 20s.) We recently bought a home and now have a mortgage of $130,000 at 4 percent interest. We also have approximately $80,000 in student loan debt for our graduate degrees at 6.8 percent interest. With our extra spending money each month, should we tackle the student loan debt first? Pay down the mortgage? Both? Or some other option? Carolyn, Duluth, MN

We have a student loan for our daughter of about $120,000. Should we use our retirement funds to pay it off? Our house will be paid off in 5 years and we have about $20,000 in revolving debt. Please advise. Thanks. James, Houston, TX

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