<prompt> Human: So Ive found myself in a tricky situation, and I have about 3 weeks to make a decision.My mother told me yesterday that my brother, whos been going to Texas AM for Computer Engineering for 2 years, cannot get the 21,000 loan that he needs to pay for another year. My parents went through bankruptcy years ago when Detroit went to hell, and now they make too much money for my brother to qualify for FAFSA. My loaded extended family is too stingy to co-sign on the loan, and basically, my parents are asking me to co-sign. Dont get me wrong, I think college is the best investment anybody can make - in most cases. My brother is very intelligent and he is doing well in his field. But I only make 55k a year. I, myself, have only completed 2 years of college - and I intended to take loans to finish this coming Spring. I spend 1000 a month on my house, 400 between my car and insurance, and then theres the food, utilities, gas, etc. Could co-signing on this loan prevent me from getting the one that I need in the Spring?Even further, you hear all these horror stories about people coming out of college and being unable to get a decent job. How screwed would I be if my brother COULDNT land a job? My mom says that my name comes off of that loan one year after he leaves college... but that doesnt seem right. What about scholarships; are there any he could shoot for? From what hes said, they are few and far between - and theyre 100 or 200 at a time. But I knew a girl that paid her way through Michigan State University on these nickel and dime grants; is that still possible? Where might we find a repository of scholarships for him to apply for?If worse comes to worse, Im really leaning toward just signing the loan. Im looking for reasons not to have to, but hes my brother... I really dont know how to say no.Does anyone have any adviceinput?  <response>: Cosigning on a loan is almost always a bad idea. Cosigning on a loan with no collateral is a terrible idea. 