<prompt> Human: My mom bought my younger brother 19 a car and took a loan out to afford it. Its under her name, he was supposed to pay off the payments on the loan. But being the mess he is, he never started paying her back.Now she wants to take the car from him and give it to me, along with the rest of the loan 18,500 AND the down payment 4000 she already made. The payments are 292 a month.I 21 just started a new career as an industrial inspector. Im only making 810 a paycheck now but I expect to be making more in the years that come. I dont know what to do. I have no one to discuss this with and have so many questions.I kinda want to go through with it, but it already looks like my brother has scrape marks on one of the corners... Hes the poster child for bad decisions and reckless mistakes you make as a teenager.And 22,000 in total is worth more than both cars Ive owned growing up. Im annoyed that she did this for him, but then again she did buy my current 2,500 car for me. So I cant do much but be petty about that. Shes also trying to guilt me into it which annoys me more.I have bad credit from when my savings ran out the last year of school. That said, Im wondering if the best decision is to have her transfer the loan to my name and I pay it off myself this builds credit right?. Buy dash cams for my car cuz my brother is going to be super pissed Im betting. AND tell her that I wont pay the down payment, just whats left on the loan.Edit: So far it seems like this would be a terrible idea.Which is a shame cuz my cars an ugly clunker...What about asking for a lower price?Assistant: Is 810 after taxes? Per week?Human: After taxes every 2 weeks  <response>: Listen to the others in the thread.This is a bad deal. Keep your 2,500 car and tell your mom to sell that car if she wants to.Dont sign any papers that she asks you to sign. 