Trying to move on

[awest1217]

That is hard because if you don't help W refinance she probably will go under, which means you too since your name is on it right now, but if you help to refinance and she goes under maybe in a year (which by then you should have the D and during the D the house can be put in her name if she does it), you still go under as well. Let's just pray that things keep going your way and there is some government loan she can get where she can refinance in her name alone. Then she gets a lower payment and you are out from under it.