My Husband Co-Signed For A Loan For My Step-Daughter

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for a van at the credit union we use to establish her credit & of course to get a vehicle she needed. She kept being late for payments & hurting my husbands credit. We are financially having difficulties like most people. To keep her from ruining my husbands credit he is now paying the loan out of his pay checks & having her make payments to him which she is always a few weeks late getting them to him even, which is hurting us even more financially because with her doing this we can't even pay our own bills on time. We are doing good just to get our bills paid without this extra payment. Either way he's screwed. I've told DH she's not learning responsibility by him doing this, he knows that but he doesn't want his credit ruined in case we need to take out a loan ourselves. So in the meantime we're suffering & she has at least 2 more years to pay it off. I've told her to send in even $5 extra towards the principle to get it paid off sooner. Thing is they work a minimum paying jobs with her working around 32 hrs/weekly & her DH working around 20 hrs/weekly, they're on food stamps & TANF, yet they blow money like they have it to blow & can't pay her van payment on time. Which would you prefer to do? Let her make late payments hurting your credit or you pay it out of your pay check & not pay your own bills? By the way my step-daughter is 28 years old. Marlene