<prompt> Human: My mom asked me out of the blue today to cosign a loan for her to get a new car she needs badly. I dont want to because I know if I say no she will guilt trip me. Also Ive done research into what happens to a cosigner and basically gathered if she is late or fails to pay I responsible for the money owed.x200B;I owe quite a few medical bills, student loans, and I have to pay the department of revenue because my old boss at work fed up. I legit cannot afford for her to miss a single payment. How can I explain to her I dont wantcant do this for her?x200B;Edit: Plot twist she said it was ok for me not to do it even though she usually guilt trips me with these sorts of things.x200B;Thank you to everyone who commented it helped a lot!  <response>: Mom, I cant do it. Tell her that over the phone and hang up if she gets belligerent. The best way to hang up is to start talking and hang up on yourself. Shell assume you got cut off. Just dont answer if she calls back! 