<prompt> Human: My mother doesnt have great credit and her account may get hit with a default on a mortgage due to divorce. On the other side of things I dont think I have enough credit history to get approved for the 25k loan without her co-signing. Am I taking on any risk by having her name and credit history connected to the loan if I am going to be making all of the payments on time, etc.?  <response>: You want a 25k car loan, and dont have enough credit to get it yourself? How much do you make? And are you sure you need so much car? 