<prompt> Human: So I got in a precarious situation and didnt pay my student loans for 2 months after having paid it right for 1.5 years and was told my co signers previous perfect credit score has dropped to 600 and getting declined for credit cards...Was this all my doing? Two months and it destroys someones lifetime of credit with a house and cars and a job etc??  <response>: Was this all my doing? Two months and it destroys someones lifetime of credit with a house and cars and a job etc??Yes. Credit is trust. It takes a long time being serious to build and one moment to destroy. Dear people with co-signerslet your co-signers know if you cant pay. 