<prompt> Human: First time posting so be gentle. So, Ill start off saying that I am finishing up my 2nd year of college and about to start my third year. I think I am about 20-25k deep in student loan debt so far, which is just going to continue rising. Obviously, I am not financially able to start paying off these loans yet. Especially with only having one job which is at Wal-Mart working part-time and only making 9 an hour. My total gross for last year, 2014, was only 3,900. I currently have nothing in my name and the only monthly payment I have is a 180 bill to verizon which also includes my brother and my dad. On top of that, my bank account is connected with my moms and she has total access to my money. My mom likes to charge my bank card sometimes for payments such as DirecTV. With that all being said, Ill get to the point. My parents credit score is ABSOLUTELY terrible. They have payments left and right and still continue to try and buy things. They have 3 car payments in total, not including insurance on these vehicles. My car, being one of them, gets held over my head when I dont co-sign for one of their loans. As of right now, they are trying to get me to sign off on a lawn mower for their 1 acre lawn. Not that big I know, Anyone could easily push mow it but they are dead set on getting a mower. The mower is 5,000 and their credit is so bad that they cant even get approved to finance it. So, thats why Im here today. I seriously dont want to be stuck with these pointless payments. Parents said they will pay for it but I dont trust them considering that my car has already been repossessed once. What should I honestly do? Im worried my parents are going to drag me down with them and their financial troubles. TL;DR Parents are fucking my financial situation, please helpEdit: Thank you all for the responses. It really means everything to me. I seriously had no clue this would blow up like this. I have considered all of your responses to this matter and I do plan on taking action. With all these student loans above my head so far, I cant risk being in even more debt and anymore damage to my credit score. I also failed to mention that I do live with my grandparents and commute to college from there since all the rooms in my parents house were taken due to me going off to college for my first year and my brothers vacating all the rooms. I do plan on staying at my grandparents my moms parents house to get away from all the financial issues that my parents are in. I seriously cant stand being around them and just hearing more and more stuff about them having to pay for things they cant afford and how they cant get anything else due to their poor financial standing. Oh yeah, I have told my moms parents about what she has done and all her poor financial decisions. They are not happy about it one bit. Especially how my mom is financially treating me. But anyway, seriously I really do appreciate every single comment.  <response>: Let them take your car back if thats how they feel. Do not sign for any loans, do not share your bank accounts with them. They will continue to drag you down. This is completely unacceptable behavior from parents, and they should be ashamed of themselves. Theyre suffering the consequences from their poor decisions, and theyre trying to continue to make poor decisions by using you to bypass those consequences. Do not let them. First course of action is to eliminate your parents ability to get to your bank accounts. Withdrawtransfer that money into your own account that only you have access to. That should be your very first step. Then tell them that you dont feel like it is in their best interest, or your best interest, to continue to take on loans and you will not be signing any loans for your own sake, and theirs. Whatever they come up with to hold over your head, give it up. Stop the financial drain, and stop the manipulation. Whatever they can hold over your head, figure out how to eliminate that as a manipulative bargaining chip.Your parents have a serious problem. Do not let them make it yours. They can make their own decisions, and if they think ruining their own financial lives, as well as their childs, is more important than keeping a healthy relationship with you, that is their choice. 