<prompt> Human: Obviously he told me that he will take care of all the payments. I am 23, I have never purchased a house. I do not have student loans, and the only loan Ive ever made in my life is an auto loan that was paid off within 1 year.I am going to say no, thats for sure. But I want to know a list of reasons to use to say no, I want to make him realize that it is truly not reasonable for me to help him like this. What kind of implications risks are there if I do put my name on the loan? I dont just want to tell him to fuck off because he did pay for a lot of my college and vehicle, but I dont want to ruin my future so he can do god knows what with that amount of money.  <response>: If he doesnt pay it will wreck your credit and they can sue you to pay back the loan. If you want to thank him for helping you pay for college and vehicle, paying him back some of the money he paid would be a much better option than co-signing on anything. 