<prompt> Human: Hey guys,My father is my guarantor for the apartment complex that Im currently living. Hes been using this as a way to get me to be his guarantor for a half a million loan, and he doesnt understand the difference between 918 rent 12-month lease is not equal to a 500k loan and 30-year payment. Im barely creating credit, so he had to cosign for me to get an apartment to live near my first out of college job that is in a different state.Ive only been living in this place for a few weeks and got my friend be interested in being my roommate. There are two bedrooms in the apartment and my friend would like to have his name on the lease. My question is, how can I remove my father from being my guarantor? Its causing a lot of issues with my family and me. The reason he wants me to cosign even though he was accepted for the loan the previous time based on his credit, is because the bank will know that we can pay it off since my salary can cover the amount in under ten years.Hes unable to understand that even though I have an excellent paying job, I cant cosign on a loan when Im barely starting to make my credit history, and starting to live barely on my own. It hasnt even been a month since I moved out. I dont need his money for financial reasons and have set up automatic monthly payments on the apartment complex. Assistant: Yikes. Id start by telling your father a firm no on his request. Your decision to not guarantee his loan doesnt need to be tied to modifying your apartment lease. I think its unlikely the apartment would remove him from your current lease. Your best bet is to try to renegotiate the lease with your prospective roommate and try to get a new lease without a guarantor at that time.Human: Would it be better to pay off the entire lease asap in order to get him off the lease? My sign on bonus is enough to cover the entirety of the 12 month lease.  <response>: No it wouldnt be better. Who cares if he is also on the lease? That doesnt give him any legal pull, just ability to make you feel guilty. Stop feeling guilty. 