<prompt> Human: My mom plans to buy a house next year, and she wants me to co-sign the loan. Have in mind that shes a grown adult 54yrs. old while Im 18. I will live in the house, but I do plan to move out in my early 20s. Im even planning to move to Spain, so I dont know how that will impact the loan. As you can guess based on my age, I have NO IDEA what Im getting into. I want to help her, but I dont know how much do signing will bind me. Any advicetips would be appreciated.. Edit: Im at work so I havent been keeping up with all the comments, but I replied as most as I could. I will not cosign, it is giving away my whole financial life, so I will talk to my mom today and I WILL change her mind. I dont want her to have the mindset of a person who can just play around with money and loans. Thank you, everyone : Youve all explained more than any simple article or blog could. Edit 2: Now that I talked to my mom, shes decided to say that Im insulting her by telling her she cant afford a house, that other family members my cousins and aunts have done what weve done, and that everything has gone right. That the only person who will fuck up my credit is my bf she says that because hes been having monetary issues lately, since he was unemployed for a month and now has to catch up on rent, and that she wasnt even planning on buying here in Miami, but up north. She didnt even consider the fact that Im going to college here in Miami, that I cannot and will not transfer to a university up north in Florida, which are usually private or super expensive. Im in college because Financial Aid covers all of my classes, or else I would not be able to go.. And she says I should leave, that I wont help her, and I feel so lost because I cant even live by myself, I dont have a car, I cant handle growing up by myself, and I feel guilty for thinking that I can just move out with my boyfriend because he has monetary issues, and theyll fall on me like my mom says. Now all shell do is shit talk about me to my whole family, and Ill just be a broke soul living in a soul eating city. Ill talk to my friends as soon as theyre available, and Ill see what I can do and what I have to do.Assistant: Why does she need you to co sign? Is she buying a house she cannot afford? Is her credit bad? Generally co signing is a bad idea.Human: She has a high income high 700something, but she earns only 10hr Florida while I earn 15hr working 25 hrs per week. She says my higher income helps.Assistant: Credit is not income. The fact that you dont look at those numbers and instantly want to say no automatically says you have no business even thinking of doing this. I make what you make and not even close to comfortable with buying a house, let alone with 10hr.Human: Yeah, I was in a hurry when I wrote that comment. I meant credit, not income. I dont know why shes so fixated on having a house, when she doesnt even plan to stay in the area we currently live on once she retires once shes around 65 yrs old. She wants to move up north in a rural town, or to Spain with me. It was probably one of my aunts who drilled the idea of a house into her head. Assistant: As many have already said, DO NOT do this. Im curious - why would she follow you to Spain? Do you have family there? Would she expect to live with you? Was it her idea or yours? Going on limited info it sounds like there are some serious boundary issues at work...Human: My grandpapa is Spanish, and so my dad will get the citizenship, and I believe I can get it too. We havent done much research about it since were solving other legal issues my dad has, but we believe my mom can get the Spanish citizenship too, since shes married to my dad. Were all planning to go there, eventually, if all goes well. Living in FL is horrible.  <response>: Just keep in mind that spain has insanely high unemployment rate for young adults. When moving there look for a job before going. 