@Michael Cote, I’d expect each of you may have to sign, ensuring you are each responsible for the debt repayment.

I certainly would recommend speaking with a loan officer before paying off any student loan debt.  

No guarantee on debt.  

A couple local realtors said they see a slow down of offersOUR IDEAS IF WE SELL:Put down payment on smaller home - have tons of cash left to use for down payments on other cash flowing SFH or Multifamily properties (1031 or our own opportunity fund) have down payments for a couple of small commerical warehouses (1031) Rent for a year and see what the market does - keep money in our own opportunity fund or trust to avoid Cap gainsBuy another small house now - and airbnb our waterfront home - income should pay for both houses monthly debt service and then some... 

In a situation where I have 1) a property that the mortgage/insurance, etc. costs half of the gross income or so 2) can pay 20% or more down and have plenty of cash reserves for vacancies, repairs, etc.3)have a roughly 750 credit score4) low debt/income ratio Are there lenders that will lend on those principals?

(Equity, not debt...lest you continue to jack up your tax liability).

here are some details below regarding how your student loan may impact the debt to income ratio along with how much cash out is needed to do a buy out.If the credit report does not provide a monthly payment for the student loan, or if the credit report shows $0 as the monthly payment, the lender must determine the qualifying monthly payment using one of the options below.If the borrower is on an income-driven payment plan, the lender may obtain studentloan documentation to verify the actual monthly payment is $0.

-Free yourself from any debt you may have.

Turn the case over to a collection agency for a fee which will get a ding on their credit at least or file a writ of execution and then the sheriff gets involved   Google debt collection.  

Who wants to be in debt 30 yrs.