<prompt> Human: Im currently 21. Have been building my credit for the past few years. Have not missed a payment ever. And I have always paid in full every month. My FICO score is around 750 right now. I also have about 25k in student loan debt. My brother wants to buy a car. He is about to turn 18, and is asking me to co-sign a loan with him. I trust that he will be able to pay the monthly payments, but will this hurt my credit if the loan application gets declined? What is the chance of that happening? When I was 18 I also had a car loan which was co-signed by a family member, it really helped me build my credit. I want to do the same for him.  <response>: He is about to turn 18, and is asking me to co-sign a loan with him. No. Please dont. If you want to help him, gift him some money and help him buy a used A to B safe shit box outright. 