<human>: Hi all, I graduated from a public university in Texas in May 2012. My mother took out ParentPlus loans throughout college for me totaling around $110,000 with a weighted interested rate at 7.8% at the time of graduation. Since then, I have been making all of the payments that are about $1100/mo for a 10yr repayment plan. I'm hoping to refinance this loan (I've already consolidated it) for a lower interest rate. 
The issue is my mother has terrible credit. I know I can't transfer a ParentPlus loan into my name (as the student). Is it possible to refinance and cosign with her? I know cosigning makes me legally liable for the repayment of the loan, but I'm already the one paying it and I earn an annual income that allows me to make these hefty payments.

Give me the gist of the text in a nutshell
<bot>: Student is repaying mother's ParentPlus loan of >$100k. Student wants to refinance for improved interest rate. Mother has terrible credit. Can student cosign with mother for improved interest rate?