<prompt> Human: My mom has never been good with money, and ever since my dad passed away 4 years ago its been even worse. I moved out of the house the night I graduated because I needed to make a life for myself and it just wasnt going to happen there. I was 18 then, I am 19 now. Yesterday I got a call from her saying that her house is being foreclosed on and the only way to save it is 4300 which she does not have. She asked me to take out a loan for 4000 to help her out. She brings in over 5,000 a month and I believe her house payment is somewhere around 700. She admitted to me, kind of, that the reason she hasnt been making her payments is because she has been buying my brother whatever he wants, and also supporting her boyfriends drug habits. Like I said, I am only 19, I have rent, utilities, phone bill, and credit card payments and barely bringing in 800 a month. I want to help my mom out because obviously I dont want her and my brother to end up homeless and on the streets, but also Im worried that if I do take out this loan for her she wont pay me back and Ill be stuck with the payments, which I absolutely cannot afford. She has also used up all of her resources like her dad, my dads mom, my dads brother, and her sister. None of them want to help her anymore because this is like a once a year thing. Given, its never been this bad, but still I dont think any one of them will try to help her out. So I am honestly not sure what to do. I do not want them to be homeless. EDIT: I am amazed by how many of you took time out of your day to tell me your own stories and give me advice. I cant say thank you enough! What I think I have decided to do, although its extremely hard for me is not loan her any money. I talked it over with my aunt and gave her a lot of the points that you guys gave me and she agreed with me to some extent, but its still her sister and she did say if I took out the loan and my mom didnt pay it that she would pay it for me, but thats just not something I feel is right to do to her. I think it would be best, although I hate to say it, for her to realize what its like with no help for once and lose this house so that maybe she can move closer to me and get some sort of apartment here so my aunt and I can keep track of her finances and make sure that she is paying bills. As far as credit goes, I am sort of worried that she could take out a loan in my name since most everything is done online now and all she would need is my social to get one. Is there some sort of way to put a freeze on my credit where no new accounts can be opened but the ones I currently have opened can still be used? If anyone has any info on that I would appreciate it! Again thank you guys so much for giving me so much advice! I appreciate every single comment!!EDIT 2: again, I just want to thank everyone for their advice and comments!!! I have used a lot of it to make my decision! I called her today to let her know that I would not be taking out the loan for her. Before I said anything about the loan she was super nice to me, but after the fact she started being super rude to me. I told her I did not think that I was in the financial situation to take out a loan for her and that I didnt think I could get approved for one, thats when she basically confessed to me that she has called 3-4 different banks to see if I would be approved for one and that I would be and she didnt understand why I wouldnt do it for her. She was freaking out the entire rest of the conversation and wouldnt even listen to what I had to say and then hung up one me. So needless to say, I will be freezing my credit tomorrow. I believe that she never thought I would tell her no so thats why she reacted the way she did. She also told me that she only has until the 31st and I dont believe that I could have even gotten a loan in that short amount of time anyway. Its still just a big mess and I hate not helping her, but its in my best interest not to. Assistant: Dont do it. That money wont go towards the mortgage and youll be left with an expensive debt that you cant afford. She wont pay you back. Just cut ties and look out for yourself because no one else will.Human: Thank you, I agree, but its just a hard thing to just not do anything about.  <response>: You are thinking of it like you are making her homeless by refusing this loan. In reality, she has more than enough money to sustain herself and an unemployed significant other, with room to spare. If she is struggling financially it is a result of her own poor decisions. You cannot afford this debt, and while I understand this is an emotionally charged decision, you should not take out this loan for her. 