<prompt> Human: My situation is this:Im a 23 yo college student set to graduate this semester engineering degree. As it stands, I have no clue how to pay for the current semester, even after all financial aid is accounted for. It should go without saying that paying for this semester is my top priority, and it needs to be taken care of ASAP. Im a cash person. If I cant afford something outright, I wont buy it. But we all make mistakes. That should hopefully give some background into my monetary situation. If it doesnt, Im broke as a joke, simple as that.So I got a motorcycle a few months back. Id already had one for a few years, this was an upgrade. I know that I made a huge mistake with this purchase. My last bike was 300 away from being paid in full, which would have given me the title and financial freedom. I have a payment due in 4 days and an insurance payment due in 3 days. Its a long story, but Ive tried to reason with insurance on the way that they collect payments and I cannot have an extension on this. I can miss the bike payment but Ill pay a ton extra for it next month if I do. I could have made both payments on time, however, I got sick this week and had to call off for a few days from work waiting tables, cash in pocket. I have NO money AT ALL right now. I only have 1 shift from now until payments are due and that wont be able to cover both of them. I wont be able to pick up shifts either as its the slow season and no one will be willing to get rid of them.Finally, my questionThe bike is purchased on credit and my mother is a cosigner. I personally dont give a rats ass about my credit score. I dont want to ruin my mothers credit score though. Shes a single parent with a lot of other bills and credit cards to pay on. I dont agree with most of the stuff shes paying debt on, but who am I to talk about that. Shes helping out a lot with my college too but probably cant help this semester as budgets are tight as is. What are the repercussions of having my motorcycle repossessed? Is there any way out of this? What will it do to my moms credit? Will that cause her payments to go up and for her to go bankrupt? I dont want to cause my family to lose the house because of a fucking dirtbike. Ive always hated making payments on my motorcycles and dont mind losing my investment. I dont want to financially ruin my mother in the process though.Any advice??tl;dr - broke, cant pay for college, basically want my bike taken by repo, mother is cosigner on loan, dont want to mess up her good credit history  <response>: The bike is purchased on credit and my mother is a cosigner. I personally dont give a rats ass about my credit score. I dont want to ruin my mothers credit score though. Shes a single parent with a lot of other bills and credit cards to pay on. I dont agree with most of the stuff shes paying debt on, but who am I to talk about that. Shes helping out a lot with my college too but probably cant help this semester as budgets are tight as is. What are the repercussions of having my motorcycle repossessed? Both you and your mothers credit scores will be affected adversely. Severely, at that. Is there any way out of this?Without adversely affecting the credit score? Making the payment. Theres no deferment, theres no forbearance like in student loans. What will it do to my moms credit? Itll tank - just like yours. Will that cause her payments to go up and for her to go bankrupt?We dont know your mothers finances, so we cannot specifically answer this question. But they will repossess the bike, her credit score will take a substantive hit, and whatever they cant recover from the value of the bike you and her may or may not be responsible for.Short of refinancing the bike loan, there is no way to insulate your mother from not making a payment. Period. You need to come up with the money from somewhere, or she does, or need to use credit cards to pay for it a very temporary solution that doesnt solve the problem at all in the long-run, but still. 