<prompt> Human: Hello, I recently got engaged and my girl has no credit. She has a few medical bills but no credit. I have some challenged credit but I make 125k year. We recently ran into some legal issue due to her ex abusing her children. We are in need of a small ish loan and my pay checks alone can cover this but then we have no money and live pay check to pay check. That is absurd at the level I earn income but you cannot put a price on childrens safety. Very long and unnecessarily long story later, I thought about having her apply for a personal loan with me as a cosigner. The loan would be around 3k. I know the monthly payment is doable and once this settles I can pay it off, I was going to hold it for 6 or 8 months to establish a payment history for her. I dont really know where to have her apply though.So to clarify my ramblings :Her credit, none, few medical bills around 1-2k and could be settled for less then 1k Im sure. earns about 30kyear no other debtMy credit, around 550 maybe 600 not really 100 sure. I make 125k per year and have a car loan and credit card. No other debt. We need about 3k1k for her medical bills1500 for lawyer bill500 or so for engagement ring pay off.Looking for thoughts, suggestions, or ideas on how to obtain this loan and help her build credit. Please let me know if I need to fix this, new to reddit!  <response>: Okay... first of all I would check out the wiki and read a book about personal finance because... it is bad news that you make 125k a year but you cant cover 3k and you financed an... engagement ring? No. No more loans. Medical bills- get on a payment plan, have her call the billing office to set up. Ask the lawyer if he will accept payment in installments as well. Surely you can cashflow that from your paychecks.Post a breakdown of your monthly budget. Why are you living paycheck to paycheck when you make 155k combined? Where is your emergency fund? Savings? Retirement? Why do you have challenged credit ? Im guessing youve made some BIG mistakes on housing and cars. You need to make some changes and correct your path so you can fix your credit and start building wealth 