I'm looking at a 72 month loan from US Bank for 1.74%, but I don't qualify for it unless I use my wife's income, and have her cosign. I can get a loan with Alliant for 1.99% and have the loan in my name only. A lot could happen in six years. Is it worth paying a little more interest to make splitting up our assets easier? I think the difference is about $500 over the life of the loan.