<prompt> Human: Long time lurker, first post. My SOs grandmother was involved in a single-car accident with zero injuries thankfully. However, she now needs a new car. She is 68 years old and was driving an early 2000s sedan that was constantly being repaired. My SO is 26, earns approximately 50kyear, 690 credit score, approximately 30k in student loan debt, and zero savings. Family indicates that they will make all payments related to the car, but likely require her to cosign as most of her family members are in a poor position credit wise and will likely not be sufficient on their own. SOs stepfather has indicated a willingness to cosign but is already a cosigner to one of her student loans. We have explored having him released from the student loan andor refinancing it, but have found this to be an unlikely outcome at the time being.I just want to make sure my SO is fully aware of the consequences of this decision. If anyone has anything to add to the following please do.- There is a small, but not insignificant likelihood that she will personally have to pay every dollar of the loan.- Grandma claims that the accident was the result of the steering wheel malfunctioning. Leads me to believe that the power steering belt failed indicating that the car was poorly maintained- Insurance is not paying out on the damaged car, leading me to believe that it was not sufficiently insured. Obviously very dangerous situation.- One of her goals is to refinance her 9k, 7.5 loan - becomes even more difficult with a car loan on the reportMy understanding is it would be best to finance a used car as opposed to leasing a new one in hopes of minimizing any potential issues. Another concern, how can she ensure that the car is properly insured, etc? Thanks for any input you guys may have  <response>: NO NO NO!!!If they require your SO to cosign, it means they have a history of saying, Dont worry, Ill pay the money back and then NOT PAYING.If your SOs family didnt keep their word to the banks, which will sue them and garnish their wages, theyre even less likely to keep their word to your SO who will not sue them or garnish their wages.Your SO should tell her family that she has her own high interest debts at the moment, and taking out another loan would prevent her from refinancing them... but shell gift grandma 500 towards a new car, if x, y and z family members also put in 500.Its very concerning that if her grandma is 68 and doesnt have a few thousand dollars to buy another car, how is she going to survive for the next possibly 30 years? 