<prompt> Human: Hello! First time posting on here.My aunt asked me to cosign a new house. She got a new house about a year ago but it is too far from her job and is going to sell it. She wants me to cosign along with her son and herself. Her plan is to refinance in a year and take me out of the contract after that.I am not sure if I even qualify. I am 22 years old making around 25k gross income in Los Angeles area first year making this amount. I got a new car a year ago and owe around 20k and owe around 30k in loans student and personal loans.I feel like this a huge commitment and I feel like this a bad idea. However, she has helped us out a lot in the past with money and I feel bad saying no. I feel like Im fucked either or. If i say yes I could potentially ruin my credit. If I say no, they will basically have resentment towards me. She told me if I help her out this time she will help me out next time.I understand the trouble she is going through but she has a lot of red flags. She changes jobs every 3 months because she does not like them. She is being sued for a car accident for over 500k Not sure why so much. She just got a new car.Will this ruin my chances of buying a home in lets say 5 years? Will I no longer be considered a first time home owner?Thank you for your help in advance!x200B;TLDR: Aunt wants me to cosign but she doesnt have a stable job and has a lot of money problems atm as do I.Edit: Forgot to mention Not sure if relevant, I will be helping my mom with her immigration status and will most likely need to take out a loan for that. Im pretty sure this situation will lower my chances of getting a loan to cover those expenses especially since I already have other loans. Also, I need to prove I can support her financially and I think cosigning will hinder my chances of proving that. ._. although I could be wrong?  <response>: DO NOT DO IT. Explanations from everyone else will follow.Imagine that youd have to pay the mortgage yourself without help. 