<prompt> Human: Im 20 years old and have fair credit and dont live with my parents. They have terrible credit but live in a house they own worth 140,000 dollars. They are completely broke right now because they make awful financial decisions. Im not smart enough to know what to do about this or if theres a big risk, but my mom asked me today if they could put the house in my name and I could take out a loan on it. She said she would pay the monthly payments out of the loan. Is there any safe way to go about this? She said its not risky at all, but I assume the fear would be that she wouldnt pay the monthly payments and I would end up getting my credit screwed up and owing money. However, she said I would get 5,000 dollars out of it and that money would really help me moving into my own place.Assistant: I dont think there could be more red flags if you triedHuman: Would there be any safe way at all to go about this? I assume I wouldnt be able to get a loan anyway because I have almost no credit history. However, as much horrible financial decisions my mom has made, she isnt one to lie to me or ever screw me over. She said theres no risk to it. I still dont think Ill do it because obviously theres a million red flags like you said. Assistant: she isnt one to lie to meShe said theres no risk to itYoure not intentionally lying if you believe what youre saying, that doesnt mean youre correctShe is completely and utterly wrong, this is amazingly risky for youHuman: Okay thats what I meant. She isnt one to intentionally like or screw me over. She probably believes it would all be nice and dandy, but Im sure it would get fucked up.  <response>: Just because she wont intentionally screw you over doenst mean you wont get screwed over anyway. Please dont go forward with any form of this plan. 