<prompt> Human: My cousin desperately needs a car, and I THINK I should help her. She is my best friend and is about to be 100jammed up bc she did something to help MY friend. She has awful credit.she makes hasty poor decisions. Ex. She recently moved back to our hometown. Stayed with her father for 3 weeks. Got an apartment when she didnt have enough to pay the security. Though I advised her to stay with dad a few months to save. After moving, she was tboned, car totaled, insur. payoff left a 1500 gap. She allowed the rental to be driven by MY friend whom she is helping out bc shes the kindest person in the world by letting him stay with her while he gets on his feet who totaled it. She didnt have him on the contract. He has no insurance. He hit someone elses car.Her insurance co just rejected the claim. I assume the rental co and other parties insurance cos will sue her. She and he? Will be on the hook for 30-100?k. Her credit week bottom out...shell probably have to go bankrupt.If she doesnt get a car now...She probably wont be able to later.I have good credit-was in the mid 700s. Now Im somewhat overextended carrying 20k in cc debt-playing 0 interest game, 6k has interest. I have 7k in savings. Solid job security. Rental income covers half my mortgage. I just got a car loan for 32k In August. Have a loan on hubs car that will finish in October. Would like to sell my house and buy another within 2 years max. Have 50-80k in equityTldr- if I dont help MY bfcousin now, she may not get a car. Its Hard for her now bc of poor decisions; impossible later bc she did something stupid to help MY friend bc shed loves me-and shell possibly go bankrupt. Im in a good position financially, but far from perfect. I dont trust her decision making to keep my credit safe. I think I should give her 1500 of my 7k savings as down payment. She CAN make the payments-decent income.Any input or ideas appreciated. Id like to not lose the i worked so hard to save, but I do have a moral responsibility here...right?  <response>: I wouldnt give her the 1500 as a down payment on a car, because it sounds like she already has money problems, and adding on a car loanpayments will not be a blessing. Instead, Id use the 1500 to buy an inexpensive little beater car outright. Itll probably be ugly, but itll be transportation, which is what she really needs right now. 