<prompt> Human: I know the risks of co-signing a loan and from what Ive read, itll be harder but not impossible? to get a loan in the future since my debt-to-income ratio is affected from co-signing that loan. I also read that it is possible to remove yourself from the loan you co-signed through refinancing?. Is that really possible and a recommended strategy? I dont really plan to buy a house soon, Ive been saving up in case I did make that decision, but am wondering if Ill be hurting myself by co-signing this loan.  <response>: Just say no. 