Hi Heather,  Thank you in advance for your time and input.

My wife and her ex-husband had taken out one of these consolidated loans as his name is the borrower and her name was the co-borrower and when they divorced it was decreed that she was responsible for 63% however he had placed these loans into forbearance for over 10 years and never held a job, After 10 years of accrued interest and him getting 60K forgiven the loan is still over ~140K. 
Seems such a mess,  If I knew that congress had a way out to split these loans so he could take his 37% + interest (- his 60K forgiven) leaving my wife with her 63% + interest would make things much smoother.  Divorced should be divorced!