<prompt> Human: Within a day of coming home for the holidays, my parents approached me to ask to co-sign a student loan for my sister. I know... Merry Christmas! Simply put, I dont feel comfortable with it, but my parents seem to think Im being stingy. Im not sure of the specifics, but my parents arent great with money and dont have a good credit score. According to my father, its preventing them from co-signing on a student loan for my younger sister. My sister needs loans for her last two years at a 4-year college and needs a co-signer. Of course I want her to be able to finish school, but I am afraid to put my credit score in someone elses hands. Over the years, Ive lent lots of money to my parents that Ive never seen back. Im not very trusting when it comes to finances and family, I admit. Im close with my sister and shes a good kid, but shes in college working part-time for beer and Ramen money, so I really have no idea of how responsible she will be with money when the time comes to pay the loan back. On top of that, she is a psych major. I was an English major myself, and I know how hard it is for a liberal arts major to find a good-paying job. If I were to cosign a loan with her, I would feel way better if she were to take on another course of study with better job prospects.My financial situation: Im single, no kids, and a few years out of university. I was lucky enough to land a pretty well-paying job out of college, so I live pretty comfortably with a smaller than Id like emergency fund, which I recently had to dip into when I totaled my car last month. Im young and single - I spend money going out, traveling and shopping. Probably more than I should, but I have a good credit score and I think Im generally on top of things. I have high-interest student loans of my own that Im trying to pay off ASAP, so the idea of signing onto more puts a bad taste in my mouth.My parents know I have a good credit score, so they dont understand why I cant just help my sister out. Im planning an overseas trip for next summer, and I can already hear my mothers guilt trip - Going to Europe while your sister is struggling to pay for college?!TL;DR: Parents, who arent great with money, want me to co-sign for my sisters student loan. Im pretty conscious with money, have a disposable income and a good credit score, and my parents think it is selfish not to help. Please help me make a decision! What do you think? Would refusing to co-sign this loan make me a complete scrooge? Are there other options for my sister? I cant imagine she has much credit history, if any. EDIT: Thanks for the sanity check. I had my doubts, but my parents made me feel a little crazy and outnumbered. Im not going to cosign a loan for her, especially not for the 15-20k she needs for two years of tuition. Im planning on sitting down with my sister after holiday festivities to make sure she really has looked through all her options. And not to listen to my parents when it comes to financial advice. Heres hoping I can survive the next few days at home with minimal drama.  <response>: Should I co-sign aNo. Particularly not an education loan. Theyre not dischargable in bankruptcy, and the terms can get a lot more complicated than, say, an auto loan. 