<prompt> Human: I co-signed a loan with my mom 10 years ago when I was 18 for a house because her credit wasnt good enough. Now she cant afford the home and its going into foreclosure. She wants to apply for a second loan modification but I dont want to have my credit dropped any further due to her missed payments or sign any more documents that will tangle myself up in this mess further. Is there anyway I can get off this loan?  <response>: Co-signing means that you are equally responsible for the payment of the loan. The only way to remove it is to pay it off. Or, perhaps, to let it go so far that the creditor writes it off, passes the debt to a collection agency, and they agree to settle for less... but that will ruin your credit for years to come. 