<prompt> Human: I have no idea where to begin. Im 21 years old, and co-signed with my parents on a mortgage in order for them to own their first home. Yes I still live with them. But I plan on moving out in about a year or so because I cant keep living with my parents since I am not happy with where I am with my life. Seeing as to how I have this huge amount of debt under my name, and I wanted to go back to college. I discovered that I cannot apply for financial aide with something like a mortgage under my belt. Ive been told that if I could get a letter from the bank thats lending us the money for the house. That I should be clear to go and will be able to get financial aide since all I did was help my parents get a house and Im not making any payments on it. Any thoughts on what I should do? I seriously feel like I messed up big time by co-signing such an important thing with my parents. But I love them so much and would help them no matter what and weve been living under rent our whole lives so they finally decided to buy a house since rent was more then paying monthly for a house! Not only did my credit get hit hard from it, but now I have to worry about not being able to afford school andor paying out of pocket which is expensive as it is. Please, any thoughts or help on this?  <response>: Should have posted here before you co-signed. Do a search its a common topic and always a bad idea.Sorry youre figuring that out a tad too late. 