I don’t think someone set you quite straight on the old days. Just because you quitclaim one of the owners off of the title doesn’t mean they are released from liability on the loan(s).
You may want to contact the loan servicing department and inquire about the process for releasing one of the parties from liability – provided it can be shown that the remaining party is financially capable of qualifying for the old loan on their own. If they allow it they may only charge you a minimal fee.
