<prompt> Human: Basically as the title suggest my mom owes a lot in credit cards and pays a high interest. I know she can pay me just that shes losing a lot in interest and cant take out a loan. Could I take one out and have her pay me directly or will that not work? Edit: If I may add I have NO doubt she will pay me. My family is like a team, they payed for my college and I wanna help with my good credit and dont want her throwing her money away on interest. I really appreciate the feedback you guys are awesome!  <response>: Shes not paying back companies that have tremendous legal enforcement power to force her to pay her debt. What makes you think that shell pay YOU back? you, who have no legal enforcement powers at all. Do you think she wont screw you over because you love her and vice versa? Think again. Preserve your perfect credit. Dont step into the middle of her messes. 