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have you ever co-signed a loan well let me tell you something when you cosign alone you get all the responsibilities none of the privileges I have person after person who talks to me about the horror that theyve been through after having been a cosigner you do it out of love or a sense of obligation for a family member or friend where their credits not good enough to qualify for the loan they want so you co-signing you think thats it but guess what ing to the most recent study four out of ten people who co-sign a loan end up on the hook for that loan because the borrower didnt pay and your credits ruined too if you out of love our obligation want to consider co-signing a loan you know what youre better off doing youre better off lending the money yourself if you can afford to if not please really think about this before you sign Im Clark Howard