Share your insights or perspective on the financial matter presented in the input.

Someone asks you to co-sign a loan. How to reject & say “no” nicely or politely?
'If i co-sign that makes me 100% liable if for any reason you can't or won't pay.  Also this shows up on a credit report just like it's my debt.  This limits the amount i can borrow for any reason.  I don't want to take on your debt, that's your business and i don't want to make it mine'.