<prompt> Human: Hello!I am taking over my parents loan of 3,700 with 34 interest rate with One Main and I figured it would be easier to pay it off if I took out a personal loan under my name because I have better credit than them. I did the online questionnaire that gives you an estimate of the interest rate for both Wells Fargo 9-16 and Marcus by Goldman Sachs 14 and I am leaning towards Wells Fargo just in case I do get that 9. Does this sound like a good idea and if so, is there better alternatives? Thank you so much!  <response>: If you have to take out a loan for 3,700, I highly doubt taking on 3,700 of someone elses debt would be considered a good idea. 