<prompt> Human: Im 25, graduated almost 2 years ago with 100k student loan debt. I work a shitty job making less than 30k a year, trying to become a teacher which wont really bring me much higher in the money making department. My credit score right now is a 602.Right now I live with my dad rent free, and pay 1000 a month towards loans. I couldnt afford to move out and pay rent in my area even if I wanted to. I was complaining to my manager about money stress he doesnt have the power to pay me more than I make now or he would. Gotta love working for a corporate super power and he suggested something I had never heard of. He says I could work out a deal with my dad for him to refinance the house in both of our names, and then I can use the money from that to pay off my student loans and then help him pay off the mortgage. It sounds like its too good to be true, but aside from the fact that Id be effectively screwing my sister out of any chance at owning our childhood home I dont see any down sides? Or would I just be better off refinancing my loans as they are with a 602 score?  <response>: Dont do this option. 