<prompt> Human: tl;dr - Am I a complete, naive, idiot to cosign for someone elses debt consolidation loan, even if it is for a disabled vet and his wife seems incredibly intelligent and organized?Every year my husband and I adopt a soldiers family through an organization called Soldiers Angels for the holidays. You commit to sending their kids gifts and sending money for their holiday meal and we have had a great experience with it over the years. This year, I got connected with this incredible woman whose husband has PTSD 100 disability through the VA and TBI that has resulted in him basically having early onset dementia. They also have 4 daughters - the oldest is high functioning autistic and has severe depression and the second youngest has some serious health issues 2 spinal cord surgeries, seizure disorder, neurological disorder, neurogenic bladder and bowel. This woman is amazing, has a BA in psychology but has stopped working to take care of her family. They have had a number of issues financially as well, including mid move their home loan falling through and having to stay in a hotel for 2 weeks, stuff being destroyed in the move, and being upside down on a car loan.As I have started to get to know her better, I have learned more about her finances and the knowledge has broken my heart. She has 3 personal loans all 30 APR, 26K in credit card debt at expected astronomical rates, and a 17K auto loan at 9.9. They live very responsibly and frugally, but the high monthly payments for all this debt is only pushing them into more and more debt. I explored a USAA debt consolidation with her and while it would extend the length of her payments, as all debt consolidation does, it would put them back in the black and significantly lower their monthly bad debt expense. Unfortunately, their credit score has fallen over the last year after having to defer some payments from the extra expenses around the move and their daughter being in the hospital so they cant do the consolidation themselves.I make mid six figures, have very good credit, and my husband and I have no debt outside of our mortgage. My pay is 13 base, 23 bonus and we live comfortably within my 13 base. I think the family would stay on top of the loan, but worst comes to worst we could pay off the loan if they disappeared on it 80k. I feel very much like I cant fix the whole system but I can help this family, but also know cosigning can be a nightmare. Thoughts? Is this the worst idea ever?Edit to add: Thank you guys so much for your comments. I have wanted to help her but have had a pit in my stomach all day knowing cosigning is an insane idea. I am going to talk to her tomorrow about bankruptcy and finding her a lawyer, I hadnt even thought of that. If anyone has any personal bankruptcy advice I would appreciate hearing it!  <response>: The real question is: If you had 80,000 and this family asked you to gift it to them tomorrow, would you? If your answer is no, then you shouldnt be co-signing.IMHO: co-signing loans worst idea ever. 