<prompt> Human: Im 34 and make just under 40k a year. I have no real assets and live in an apartment with a paid off car. I do have some CC debt but I have outstanding credit. My sister is 23 and in a BSN program and has a 3.92 GPA. Shes taken out barely any loans but needs about 15k more to finish and just canNOT work anymore these last 6 months of the program than she already is. My mother can potentially co-sign and isnt opposed to it but there are two issues there: 1. her credit is decent EDITED but already heavily utilized as were a huge family I am the oldest. 2. My mother is in remission from pancreatic cancer, has recently broken a hip and received a pacemaker. Things are not looking good. My sister did say and we know this is dark, if our mother is the one who signs and she passes, the loan would be forgiven.Its a Federal Plus loan at 7.6, fixed over 10-25 years. Interest accrued on principal balance from date of disbursement.Just running my options here. Please give any and all advice as I have rehabilitated my credit myself over the last 5 years from my own terrible choices not really school but financial immaturity and dont have a ton of knowledge about this.This isnt something Id normally consider except that I know this is a quality degree program and shes doing well in it so I feel confident shed be able to pay it but I dont want my personal bias to affect this decision too much. Thanks.  <response>: Cant your sister get her own loan? Most students get their own loans without cosigners. 