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Co-signing is a loan with someone else's name on the benefit and your name on the risk. The borrower gets the money; you get the liability, the credit-file footprint and the phone calls if payments slip. Studies of co-signed loans show defaults are far more common than either party expects — which is why this guide asks the brutal questions before you sign: can you afford this payment if they vanish, and would you still help if the relationship changed tomorrow?
risk exposure report
The lender comes to you — and the missed payment appears on your credit file too, even if you pay it late.
Only by refinancing the loan into the borrower's name alone — which requires them to qualify without you. There is no easy exit.
Yes — the full loan counts against your debt-to-income, so your own mortgage or car loan capacity shrinks while it's outstanding.
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