<prompt> Human: My mother-in-law has fallen into financial trouble and is asking me to be a co-borrower on a loan that will help her consolidate a lot of her debt. The loan is for 500k and would allow her to pay off two bad home equity lines that are in repayment mode and also a lot of bad credit card debit that she is struggling to pay. By getting this loan she would eliminate a lot of her debt and finally have some positive cashflow again. She needs me to be on the loan with her because her debt-to-income is near 70.The house with equity that she is putting up for collateral is 850k and I would be added to the deed of that house her primary residence and so I would get some instant equity in it.Agreeing to be on a 500k loan is terrifying to me because I already have my own mortgage and I dont want this to hurt my ability to get credit in the near future. I also feel like this is putting a strain on our relationship and I hate mixing my finances with hers. She claims she will take me off as a co-borrower once she can refinance the house on her own in 6 months once the bad debt is paid off.The other side of this is that my mother-in-laws entire estate is worth about 2 million in real estate assets and my wife is an only child and stands to inherit it all in the future. However, if I dont do this then some of that estate may be sold off to get her financially stable again.How great is my risk in this situation? What should I do?  <response>: I have nothing to add except hell no. 