<prompt> Human: My dad asked me to cosign on a loan or maybe refinance for our house. I dont have a lot of details but I do know that its in the 200k dollar ball park. The reason he is asking is because his debt to income ratio is not high enough. I make 41k a year have 30k dollars student loan debt but a recent 12k in the bank. Im wondering if Id even be a help. Anyone able to give me a bit more info for what this will mean for me moving forward. Like what if I want to get a loan for a house? Any help much appreciated.  <response>: Horrible, horrible idea. You will end up screwing yourself over. 