<prompt> Human: Good morning rpersonalfinance! I just have a quick question on loans. My mother and stepfather are fighting to save their home from foreclosure. We need to come up with 5k very soon, and start whittling away at the arrears 28k. Im trying to help out, but as a veteran who is currently a full time student, I just dont have the income needed to get a loan out, and my stepfather is a union carpenter and jobs are scarce.However, my question is: I have SPARKLING credit but no income, and my stepdad has NO credit but has the income. Is it possible for me to co-sign a loan for him, even though I only get a student grant and have no income? I go to school in the UK by the way, live off my Post 911 GI Bill grant and work slinging drinks, before anyone says Get up and get a job. Sorry if this is a really basic question, I have done my own loans throughout the years and paid them off but Ive never had to co-sign. Also, sorry if this isnt the right place to post this, so if someone could direct me to another subreddit that can help, it would be much appreciated. Thank you for your assistance!Edit: changed from shit credit to no credit.Assistant: My mother and stepfather are fighting to save their home from foreclosure. We need to come up with 5k very soon, and start whittling away at the arrears 28k. and my stepdad has NO credit but has the income. Doesnt sound like your stepdad has the income.Human: He does if hes working, he gets decent money. The problem is that he was getting laid off for about a year straight because of scarce carpentry jobs, so now its proven difficult to play catch up.  <response>: Honestly if they have 28,000 in arrears, then they have too much house for their income level. Either they didnt make house payments for 2 years, or they have a mortgage of almost 3,000 a month. Either way they need to downsize and get something where they can weather your stepfathers volatile employment. 