<prompt> Human: I live with my mom and we are hopelessly behind on bills. She has asked me to look into getting a student loan, because she says that I wont have to pay interest on it for a couple years, and it wont be very much when I do. I guess my question is, is that a bad idea? Im scared of ruining my credit or going into debt, and I dont know much about how it works anyway, but I dont know if I have any other option. If anyone has any suggestions I would be so grateful. I really dont know what to do.  <response>: You mean she wants you to commit fraud? No, thats not a good idea. 