What is the diffrece between the primary borrower and the co signer?

The primary borrower and the co-signer are equally responsible for paying the loan. If the primary defaults, both their credit records will be ruined and the lender will go after the co-signer for payment. The difference is that the primary is generally the owner of the property and the co-signer is agreeing to pay a debt for property they do not own.

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