<prompt> Human: Hello,I apologize about how this is written but Im incredibly stressed out right now.Im a 23 year old still attending college and make 20k and some change a year and I live with my parents. They come to me one day and tell me We want you to cosign for the refinance we are going to do, your name will go on the house and the interest rate will go down. They tell me they dont have any of us siblings on the houses title so if something ever happens to them then we will lose the house and become homeless. Ive done some light research on this and I found that I would be responsible for the debt and Im screwed in getting a loan in the future? I told them I didnt want to do it and that it was a bad idea. they filed for bankruptcy some 4 years ago. However, they keep asking me and coming out with the just help your parents thing. Theyve also got my brother to begin asking me too. Im sorry, Im really scared with this. I do want to help my parents but I feel like a refinance is a terrible idea right now, they are struggling to even pay the monthly amount for the house and I feel like my future will be a lot harder. If anyone can give me suggestions on what to do, I would be grateful.Thank you for reading. Assistant: They tell me they dont have any of us siblings on the houses title so if something ever happens to them then we will lose the house and become homeless.Intimidation. A better way to secure their children, should they pass, would be a life insurance policy.However, they keep asking me and coming out with the just help your parents thing. Theyve also got my brother to begin asking me too.Playing on guilt and familial loyalty. Your parents are world class manipulators, hopefully your brother is too young to realize that hes being used and that hes asking you to let yourself be used as well.Your parents and your brother should have never asked this of you.Youre an adult.Do not risk your credit and your future by tying them to your parents.Human: Thank you, perhaps I dont want to see my parents as trying to manipulate me and that is causing me stress because they probably are.  <response>: Not just probably. That undeniably is what is happening. 