<prompt> Human: Her credit is fair at 642 and alone she is being offered 23 APR. My credit score is good at 763. I understand that co-applicants are equally responsible for car payments and in turn defaults but how else would it affect me? e.g. How would it impact my taxes? Credit score? What happens if she defaults and I cant pay?Other relevant information:- I am currently a graduate student so not exactly rolling in dough. - I would not have access to use the car. - If all goes as planned, I would not make any payments for the loan.Thanks!  <response>: nonoNONO NO NODo not co-sign on anything unless you are fine paying for it in full yourself.That is a LUDICROUS APR, which means she is dealing with a predatory dealership andor should not be financing a car. Run far far far away. 