silenthill, I am sorry about this tremendous stress you are under. I urge you to call your lawyer immediately for advice. Your T should never have asked you to take out loans for her. It is very inappropriate. Tell her immediately she must come to the bank with you and have the loans transferred into her name only. If she refuses to do this, see your lawyer and take her to court. This is ruining your credit and costing you a lot of money. Please tell your husband you made a big mistake and now need his help and support to fix this.