Hike! Yikes! makes my feet hurt just thinking about it!
Back to the loan - you're still legally and financially responsible for the debt? If you're still tied to the mortgage why should your name be off the deed? How will that affect what you want to do in the future for your own housing? I refinanced recently and got a lower interest rate = lower payment, why is this a bad time to refinance? especially seeing that W and family are well to do. It just doesn't smell right to me.
You don't mention your own family, do you have anyone to 'fall back' on for help? emotionally, financially? hugs?
Live your life while you are still living. Riding the trail less traveled.
