<prompt> Human: Grandma left me and my brothers 2 houses around 300k each, and my dad wanted to take out a HELOC for about 65k to pay for his credit card debt, roof for the house, and for my school. Currently while he is getting income he uses tax deductions like crazy to avoid paying taxes owns his own business so the credit union sees it as no income for the year and declined him the HELOC. I am 21 years old with a steady income though I plan on quitting this fall for school, should I cosign for a 3-4 HELOC or should I try my hand for just student loans? I currently got denied for grants and the plan is in a couple years he refis me out of the HELOC.  <response>: Theres a reason they wont loan him the money on his own. Why do you think things will go any better for you when you sign and pick up the obligation that the bank doesnt feel he can meet?so the credit union sees it as no income Well, also this:pay for his credit card debt 