I have a joint personal loan and I have recently separated from my partner. I want to split this loan, but the lender said it cannot be done. I asked my ex if he would like to refinance or consolidate his debt, but he doesn't want to do it. He is bad at paying bills on time and I do not want to pay any late fees because he paid his half late or worse, if he doesn't pay at all. I don't want to be hit with a bad credit history. Is there anything I can do to split this loan?