<prompt> Human: So about three years ago my parents had a lot of debt and took out a shady loan with high interest for 4200. Fast forward to today and my dad has been making monthly payments on that loan for three years but only able to pay off the monthly interest. He said that the interest rate was 10 but of course I dont believe. He still owes the 4200 on the loan. Theyve always struggled to budget and pay off loans. Today he asked me if I could cosign a bank loan with lower interest to pay off the 4200. He said the bank wouldnt give it to him because of credit score. My wife is 100 against this. I feel bad since its my parents and I really want to help them. Recently my mom had to leave her job because of anxiety and depression and my dad has been dealing with health issues. They always helped me financially when I was younger. But now I realize that their spending habits and budgeting skills are not the best. Should I even consider cosigning this loan? Or should I stay far away from it?  <response>: Dont co-sign on anything that youre unable or unwilling to pay in full. 