<prompt> Human: So I know off the bat most of you are going to say this is a terrible idea, but lets just say this has to play out. What sorts of things should be asked about in regards to the loan? Should I just take the loan out myself, get the title to the car, and have the family member pay me back? Anyone have any ideas on how to politely decline without making anyone upset?  <response>: Advise them to shop for a cheaper car. The fact that theyre asking you to co-sign means they cant afford it. 