Yes, I did a stupid but well-intentioned thing many years ago; I co-signed for my neice's first two years of college. She has never paid back a penny and I am diligently paying the collection agency every month. After having my paycheck garnished for over a year, I made an agreement with them to pay directly and have kept my word. They say they have tried to find her to garnish her paycheck but because of the huge backlog of defaulters, it hasn't happened. Now I find out she is losing the only job she has.


