<prompt> Human: Hi rpersonalfinance,A little background for me: I graduated college in May of 2015 with a good chunk of student debt 70,000 total in private federal totaling about 900 worth of minimum payments a month. I grew up with parents who due to financial hardships, were unable to help me get through college or even be my cosigner. As a result, I used my grandfather as my cosigner through the years. I landed a decent job 50,000 a year and have been able to struggle through my minimum payments without too much difficulty.Now, my older brother needs a cosigner. The issue is my grandfather no longer controls his own finances. He lets my aunt take care of things. My brother does not want her to know his financial circumstances. He is pretty irresponsible with spending and Im almost certain he has a lot of debt that he acquired in his time in the military. Despite having a GI Bill and monthly stipends from the Air Guard, he thinks he needs more money. Due to bad grades, he qualifies for no federal loans so he says. For those unfamiliar with the process of private loans, the student gets approved by the bank for a requested amount, and the financial aid offices will ultimately decide how much of that chunk of money they will actually let you borrow from the bank determined by a number of factors including the cost of living. However, they are not legally allowed to use his military help against him in determining how much extra he can request so he says, effectively allowing him to double dip. I agreed to cosign one loan so far for 5000 for the summer semester and he was able to get approved due to my good credit. Well, this semester he is requesting absurd amounts trying to reach that maximum ceiling. Knowing that he wont get all of what he is approved for, I tried cosigning two ridiculous loan requests for this Fall, one for 25,000 and one for 19,000 after telling him to lower it which the bank promptly denied before it was ever passed over to financial aid for review. But guys, these numbers scare me. I know hes trying to max out, but that seems incredibly irresponsible, and this is coming from a recent grad who wishes he hadnt been even half as needy with his loans and who has a good chunk of low interest federal loans. He has all of this military help, and I know he is trying to pay other debts with student loans just to stay afloat, but should I give him tough love or help him out? Does anyone know of any advice I can offer him? Hes hurting both of our credit scores with these highball requests that are getting denied. He wont get approved without a cosigner, hes tried already. Thanks.Edit: I should add that other than being a weekend warrior, he has no job although he just did an entire summer of an unpaid internship that Im sure took a toll on his finances.Assistant: Dont do it. Dont ever cosign a loan. Especially a student loan. He has revealed his true character. He is a bad student who makes irresponsible financial decisions. Human: Ever? Isnt this one of those circumstances where cosigning is OK? I dont know what other options he has to be honest and Im not going to be responsible for him dropping out. I dont mind being a last resort but am I really?  <response>: No!!! Dont do it. There is never a case where cosigning a student loan is a good idea unless you fully expect to make all the payments which you cant discharge in bankruptcy. 