<prompt> Human: As the title says, my mom is paying 379 every 2 weeks and says only 100 is going to the principle. She called and asked for my help this morning. She asked me to see about getting a loan from my bank to pay it off and she would pay on that becaus it would be low interest. Im am unsure what to do now. My credit score is considered fair and my salary is not that high. Assistant: Why can she not get a better loan herself? Because the lenders dont trust her to pay them back. If they dont trust her, why should you?If you are actually considering this, do it under the assumption that you will be paying back the loan by yourself.Human: Her credit is not so good. Before she divorced my step father they had filed bankruptcy about a year and a half prior. I am aware that Id be paying it but I would feel terrible leaving my mom out to dry  <response>: Her credit is bad and guess what, she took out a loan and surprise! cant afford to pay it back.If you want to pay her loan for her, by all means go refinance hers. Just do so with the full expectation you will be paying. 