<prompt> Human: So long story short, the brakes in my Prius failed, and I need to buy a new car immediately. The timing couldnt be worse, as I am graduating from Grad School in early May, my fiance and I will be moving to a new state shortly thereafter, and I am still in the process of locking down job offers meaning we have no idea what our income will be in a few months. My credit is mediocre-bad 580ish and my fiances credit is stellar 730ish, but his has only been great for a few months. He has spent the last two years rebuilding his credit from a 500 to where it is now, while I am in the process of rebuilding mine. We are also attemptig to buy a starter home in the next year or so, and we have been working towards this goal for a while. My question is this: would it be more advantageous for my fiance and I to purchase the car together, or would it be better for me to purchase the car on my own with the help of a cosigner my mother is willing with great credit? Will my being the sole owner of the car help my credit increase more effectively we are planning on and able to make the monthly payments on time every month than if my fiance and I purchased it together? Also, will him buying a car with me lower his credit, thereby hindering our homebuying efforts?Essentially, which option buying jointly with fiance or getting mother to cosign will put us in this best position to be able to buy a home in the next year or so?  <response>: What does brakes failed mean? Brake repairs can be expensive but I hardly think its worth throwing the baby out with the bathwater. 