<prompt> Human: Im on mobile so Im sorry for the formatting. Long story short: My dad told me today that he wants me to get my credit fixed because he wants me to get him a 3K loan to basically get him back on track financially. He has really bad credit now and I have mediocre credit and am working on fixing it. He says he wants to pay off his small loans and get current and I asked him, wont that just be replacing credit with another form of credit? What if you cant pay back the loan. He said basically that he doesnt need lectures and that hes not sure if itll work out but he has to try. Advice?Short story long: I dont even know where to start, but I guess our financial problems started about 4 years ago when my dad had an illegitimate child. Since then, and since child support started taking a bunch of his money Im not sure exactly how much, but I know its quite a bit. Hes a well-paid RN and it goes by your income, right? weve pretty much been in the red. Several months afterwards a little before we found out about his kid he traded in his truck and got my sister and I each our own car. A gift, he said. Well, we find out, things get bad, yadda yadda, but we forgive him. Fast forward a few months by then, I start working as an LVN and my sisters working as a receptionist and he asks my sister and I for help. He wants us to pay for our cars and help him out, he cant really make ends meet because of child support. So I get this idea of trying to implement Dave Ramseys ideals to get him out of debt. I make spreadsheets galore, and I basically make what I think is a good financial plan to get us out of debt. And he tells me, Well thats nice, but Ive always done it this way paying credit with credit and asking for more credit and this is how Im going to keep doing it. I just need your help which means he just needs my money. So fine, I help him with my car, my insurance, whatever else I can. I usually gave him maybe 200-300 extra. Well last year, I bought my own car. This was one I really liked, I was in a good financial position to buy it and I told my dad Id still pay for my old car for a couple of months while my brother found a job so he can take over payments. My brother needed a new car too, so I figured it would be okay. Well, my dad ends up switching jobs where he doesnt have a company car anymore, my brother ends up not getting a job, and my sister ends up quitting her job. That leaves my dad with two car payments now and has been for a year because my sister wouldnt get another job, but thats an entirely different post, so hes slowly been later and later with his payments.I feel like Im rambling now, and I am, so I just want to say this: I love my dad very much and I really want to help him. But I cant give him the 3K right now because I dont have it and I dont want to get a loan for him because I dont want fix my credit just to ruin it all again. My boyfriend and I are getting to the point where we want to live together and I dont want that affecting us. My dad is very stubborn and I just dont know how I can help him. To top it all off, my mom is going back to school and she has her own finances to worry about so its not like she can help dad either. Reddit, any advice would be welcome.  <response>: He said basically that he doesnt need lectures and that hes not sure if itll work out but he has to try. Advice?Yeah, dont do it. He doesnt even plan to pay you back on time if this is how he answered. 