answer:You’re wanting to take full responsibility for the loan is commendable, but not practical, or even necessary. Your ex-friend has no claim on your car. All she did was guarantee that the payment would be made. Her name is on the loan, not the car title so she’s over a barrel if you don’t make the payments. The best thing you can do is forget about her, and make sure the payments are made on time. Once you have enough equity to re-finance, you can do so then, but really there’s no hazard to anybody as long as the payment is made. You’re actually giving her credit score a little boost when you make the payment.