<prompt> Human: My sister needs to take out a 9,000 private student loan for her summer semester. She has maxed our her federal aid, and does not have the money to pay for the remainder. Previously, she qualified for Parent PLUS loans, but recently got married so is no longer eligible. She is applying for a private loan through Wells Fargo. Her father, who is normally the applicant on the Parent PLUS loan, did not qualify as the sole cosigner for the private loan. Her husband is also not eligible to cosign. My sister asked me if I would be willing to be a joint cosigner along with her father.I tried to research this, but could not find much information on the subject of joint cosigner and how that might differ from just being a regular cosigner.My situation is such that I am wary to take on this responsibility and have it negatively impact my credit score and finances. I myself still have 50K in student loan debt remaining paid down from 80K initially, and recently purchased a house with my fiance. I also have an auto loan. A little over a year ago, I paid in full one of my private student loans, which had a remaining balance of 9,000, so I feel like I would just be bringing myself back to square one by cosigning on this loan. I dont want to leave a family member out to dry, but Im not sure its a wise decision to get myself involved. Am I right in my gut instinct that this is not a good idea? Or is there something to the joint cosigner concept that Im missing that might make it a less risky option? Any advice would be appreciated!  <response>: It will make you liable if she stops paying, so unless youre willing to pay the full amount of the loan you shouldnt cosign. 