re: Student loans/ divorce settlement

First of all, student loans are not dischargable in bankruptcy anyway, so any talk of bankruptcy is moot.

That said, I doubt very seriously your divorce settlement in any way legally took you "off" as co-signer. BUT, you would certainly have legal recourse available against your x-wife if you were forced to pay those debts.

You certainly need to get it figured out, because it will definitely go on your credit if those are not paid. Although I don't think you will have any success, I would also call the lenders, explain the situation, and see if they will take you off as co-signer if you send them the divorce settlement paperwork. I doubt they will do that, but it's worth a shot.