<prompt> Human: Im 32, hes 25 and far more along in life than I am. Hes got a wife, two kids, and lots of debt. Im renting an apartment, make pretty good money, very little debt excellent credit. They want to take out a mortgage for their first house, but both of them have sizable student loans so need a cosigner. He is pretty financially responsible, hasnt ever missed rent payment, etc., but the idea of signing a loan with him scares me a bit. Neither of them has a real full-time job, just odds-and-ends stuff. I have done some basic homework on the idea but the general idea seems to be dont co-sign something you dont have a vested interest in. I want to help him out, but Im afraid of it falling on me if he fucks up or loses his income.I dont know very much about this but I told him Id give him an answer tomorrow. Any input?  <response>: Hey man, I dont feel comfortable with cosigning a loan. Have you asked your wifes parents? 