Since your ex-fiance cosigned on the loan, they are just as much obligated to the contract as you are. The only way they could get their name "off the loan" was, as you said, for the original borrower to obtain a new loan, in order pay off the original obligation. If this is not possible, then she is locked into the original contract.
yes, people break up all the time like that. Now getting back together depends on if you both are willing to forgive and forget.
If it will make you feel better , send it yourself, just do not put your heart on your sleeve, keep a clean break, you will otherwise regret it later if you have put something in writing that later you wished you had not.
I think it means you miss him more than you realize because this was probably a special time of year for the two of you when you were together before he passed. I think you should visit his grave and thank him for the time you had together especially around the holiday season.
Don't give it to him of course! Say you sold it or somthing. Why would you give back a ring to the person whom you loved, but then he ruined it all!But, if you must be nice, you could:Simply buy a new ringTell him the truth;you don't have it anymoreDont respond to the situationThe ring is considered to be part of the marriage "contract." Because he was the one who broke it off, he does not have any claim left to the ring. Likewise, if you had broken it off, you would be responsible for surrendering the ring back to him. Tell him the ring was yours to do with as you pleased, if it was that important for him to have it back he should have made plans for the rings return at the time you two parted ways. You do not owe him the ring, an explaination to the rings whereabouts, nor any type of financial reimbursment.