Usually, only the first loan that your wife co-signed for would be her responsibility. But I don't know what the terms of the second loan were. For example, perhaps the second loan was considered an extension of the first loan instead of a completely separate loan. I would advise your wife to consult an attorney in her area experienced with creditor/debtor law. The attorney needs to carefully review the terms of both loans before determining what your wife's legal options are. Hopefully, the second loan is completely separate from the first loan and your wife will not be legally responsible for the second loan.