Legal Question in Banking Law in Iowa

Honestly, there is no difference between a "main" borrower and and a co-borrower. The payment information can show up on either or both of your credit reports, and if the payments are not made, they can chase down either one of you, or both of you, to pay. If you have already signed the agreement, you essentially agreed to be the primary borrower. If you have not already signed it, tell them you want it changed. However, as I said, it makes no real difference.