<prompt> Human: Ive been thinking about doing this more and more as the rate on my line of credit is much lower than her credit cards. I figure she could just pay me instead of the bank, and put her in a position where she can start fresh and learn to save. Would anyone advise against this?  <response>: No its a pretty poor idea. If she doesnt pay you then you are screwed plus you will have damaged the relationship with your mother. 