<prompt> Human: For context: Im 18, just graduated from high school, and going into university this fall. My mom was nice enough to save up an RESP that pretty much covers my entire tuition for 4-5 years. Because I worked so much over the summer, I told her Id take care of anything smaller than that. But my family was never well off to begin with and parents are 100k debt because of a new car shared business. Shes claiming that if I take out a student loan, I dont have to completely pay it off. I told her that this definitely wasnt the case, she heard it from a 55 year old woman at her workplace and for some reason believes her.Shes saying that she wants to take my student loan to help pay off her loan since she doesnt want the interest to accumulate. Im just trying to avoid debt and tangling my money with my family. What should I do? Thanks in advance for any suggestionsadvice.Assistant: I would not do what she is requesting. That just sounds like a terrible idea and as your mother she shouldnt put you in that predicament. Just my .02! Human: Shes trying to reason with me by saying its not my money that shed be borrowing and is promising that shell return it. But I really really dont want to take on that debt, no matter what she promises.Assistant: In my experience, you should NEVER loan money to a friend or family member that you intend on getting back. Put another way, any loan to your mom should be considered a gift and if you cant stomach that loss then dont loan it. If she cant pay her current debt, what makes you think she will pay you? Human: Yeah growing up my parents always told me to not get into debt, and now theyre just swimming in it. I know its mean to leave my family in this kind of situation, but I know that its only going to get worse.  <response>: There is nothing mean about it. Is it mean of my kids not to help me if I buy a porsche and then get into trouble? They are 18, they have no income and have four years of school before they can even think of getting one. Mean is your mom asking you to take out a loan for her profligate spending. 