A borrower has a co-signer on an auto loan. How should the co-signed debt be treated in the financial assessment cash flow analysis?
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A
Excluded entirely since the borrower is not the primary obligor
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B
Included at 50% of the monthly payment
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C
Included as a full monthly obligation unless evidence shows the primary borrower is paying
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D
Included only if the borrower has made payments in the last 6 months