<prompt> Human: This is my first post, so please bear with me!Im in my mid 20s, a student, and still living at home. My parents made some terrible financial decisions a couple of years ago that resulted in a ton of debt. IMHO, most of their debt is because my mom makes impulse purchases, often times without my dads consent and basically dragged him into the verge of bankruptcy with her. Somehow, my dad was able to rebuild his credit with credit cards that my mom personally uses and pays the minimum amount for and decided to take out a loan for my youngest sisters college tuition. My dad, who makes about three times less than my mom, needed a co-signer to bring down the payments to about 200month for 4 years. They asked my auntie and she wouldnt co-sign for my dad because she doesnt consider him family. Since my mom has bad credit, the next person they asked was myself and I initially agreed to co-sign. After doing some research, I decided that my current financial situation student with about 2000 in credit card debt and planning to go to grad school wouldnt be the best idea. Now, my parents are guilt tripping me into signing the loan otherwise, my parents would have to take the funds from their retirement fund. Personalfinance, what do you think I should do? At the moment, I know I cannot make the payments if anything were to happen because I use about 90 of my income to pay for my tuition, since my parents are unable to. If I do co-sign, will this affect my ability to take out student loans for the future?TLDR; parents in debt, dad has a loan from the bank, cannot pay loan and asked me to co-sign to bring payments down, initially agreed, but then refused after doing some research, parents are upset and guilt tripping me into co-signing loan  <response>: Fuck that theyll fuck with your credit and you will be in debt and they will not help you. Dont do it! You gain nothing from doing it. Your sister can take out her own loans for college. 