Before joint consolidation loans were (rightly) banned by Congress, my husband and I jointly consolidated our loans; at the time, no one warned us that, in the event of divorce, we would both remain liable for the full amount and would be unable to deconsolidate the debt. We're now divorced and have kept the loan in forbearance, hoping to find a solution to this problem. I want to pay what I owe (approximately 50%), but I am sure that my ex-husband will not pay his half every month and I cannot pay the full amount myself. Is there any way to refinance and separate our obligations? what would happen if neither of us paid?