 This is what people don't understand about co-signing. When you co-sign, you are not a backup borrower. You are on the hook for that loan as much as the primary borrower. So if they miss one payment, they coming after you because they coming after the person who got some money. And so that's what people don't understand. So when you co-sign for a loan, you just bought yourself a car. And when you're on the hook, it is on your credit profile. So let's say you co-sign for a loan for someone. Now you need a car.