i have a private loan which originated in XXXX ( 2006 ) and i live in XXXX. why am i still responsible for it?? also, my daugher cosigned for me and she needs to come off. after all these years it should be in my name only. she informed me that she would contact them about taking her name off. well, the response was she was the primary borrower and i was the maker. today, i got the opposite information where by i was the primary borrower and she was the cosigner. this is affecting our relationship because i got behind. It had been in forebearance and then a collection agency called me and then threaten her with wage garnishment and contacting her corporate office. After i spoke with them, i sent them a cease and desist letter. Aes contacted me and told me that i was n't able to use any more forebearance but they offered me a payment arrangement. i have since followed this to the lettter but the interest or the days late is constantly going up. my balance is n't going down. what shall we do???????????????