<prompt> Human: This is such a horrifying mess I have no idea where to begin. Its destroyed my family, now Im just trying to keep it from destroying my future, and maybe helping salvage my mothers future, if it can be done. Long story short my father borrowed a lot of money without my mother nor my knowledge. How, I dont know.The damage:Student loan: 20,0001st mortgage: 200,0002nd mortgage: 150,000Borrowed against a property: 40,000Credit Card Debt: 85,000 roughly 28 interest.Total debt: 495,000He took a student loan out in my name for 20,000 and also put me on a credit card, which owes almost another 20,000. Other than that, those are the only debts of his that he has tied me to. 7,000 of it I discovered was on my personal credit card, I RARELY use my credit card, and when I do I immediately pay it down. He had originally helped me open that account when I went to college and had access to it, however I was the only one who was supposed to be using that account. I should have closed that account long ago and reopened a new one under just my name, that was my mistake, I know. The student loan I have absolutely no idea how he got, since I know I never signed anything.As for my mother, she had no idea about this debt until recently my father manages the bills, money, ect. All of this debt is stuck on her too now. She ended up taking over the finances after this. Currently she is trying to consolidate the two mortgages into one however she didnt qualify with her credit score. When she tried with my father it was even worse. Hers is about 630 and my fathers about 600 She did not know they were this low because again, father was managing the finances. She has also opened up her own account so her money is being deposited there now and is separate from my fathers. I am trying to do that but need to get rid of the debt on the card for my shared account before I can really do much. My father has also managed to completely wipe clean their savings account, so she has no safety net to borrow from. My mother makes around 130,000 after tax and my father about 50,000. Also, my father is self employed, and doesnt pay taxes until the end of the year. He owes roughly 8,000 in taxes too right now.My other finances: I make roughly 35,000 a year after tax working part time while working on my masters. I currently have no student debt minus what my father took thanks to smart saving and working three different jobs through college. I manage to put about 600 a month into savings, currently have 6,000 in savings. I had just bought a new car three months ago, and am paying about 250 a month on that. Spend an additional 1,400 on rent, utilities, food, insurance, gas, ect. And the rest of that usually goes to my tuition.What do I do? Im good with airplanes not finances. My plan has always been to save and dont spend money you dont have. I have an IRA and an 401K. Can I borrow from those? What can mother do, if she can do anything at all? Can I be a cosigner for my mother so that she can consolidate the mortgages I have a credit score just above 790? Should I cosign for herare there risks? What can I do about the student loan and the credit card debt that I had nothing to do with? Advise on anything? Should I take what little I have in savings and just dump it onto my personal credit card to wipe out the debt quicker and close the account? Can I have my name taken off these debts and if so how? Can collectors come after me if they fail to pay?Im at such a loss. I have no idea what to do. Just looking for something, anything on what to do. Edit: I also forgot to mention they owe the bank about 50K on a house they build but they no longer own.  <response>: Youre exaggerating the debt, since over half is secured by the value of the real estate. And your parents have a good income, they can figure it out.Do not cosign anything, no mortgages, no nothing. Work on getting the fraudulent debts in your name paid off with your parents money, they spent it. Keep your finances completely separate from now on. 