My Girlfriend Cosigned on a House, Car, and Credit Cards for Her Family
The Ramsey Show Highlights
Ramsey Network
4.5 • 840 Ratings
🗓️ 13 February 2026
⏱️ 9 minutes
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| 0:00.0 | Brought to you by the Every Dollar app. |
| 0:04.3 | Start budgeting for free today. |
| 0:06.4 | I'm looking to get engaged with this young lady that I've been dating about nine months, |
| 0:10.9 | and I'm just getting into figuring out her financial situation, |
| 0:16.4 | and it's really a freaking mess to be an understatement here. |
| 0:21.4 | Oh, boy. |
| 0:31.1 | So she's co-living with her mother, her sister that is married, her other sister that is married, and of course herself. |
| 0:34.9 | And they all co-signed signatures and such and incomes to be able to |
| 0:40.0 | afford and purchase a home together. Whoa, six of them? So they're all on the deed. They're all on the |
| 0:46.0 | mortgage. Right. They're all in this mortgage. And then there's a food truck business that |
| 0:51.2 | they run as a family business and there's other incomes and then there's |
| 0:54.7 | private and business credit cards all mixed together and my girlfriend's credit score is tied to all |
| 1:03.4 | of these as a co-sanger and two auto loans that she's also tied to oh boy okay i'm okay. So if in six, you know, six months, if I was |
| 1:14.5 | hoping for a spring or summer wedding here, that like, I cannot join finances with over $100,000 |
| 1:21.4 | of small bets and a house that I have zero equity or input in. I don't think she has equity in any of those things. She's been coaxed into signing as a co-signer and all of those things, but does not have equity in any of those things. How much of this does she understand? It sounds like you are well-versed in the world of finance, and I'm worried she just is like oh I didn't understand all |
| 1:45.1 | this I just signed because it was family and I thought it all work out I I don't know if she |
| 1:50.7 | understood the weight of when you sign a co-sign a loan like that how much are you on the line for |
| 1:57.8 | I don't think she really understood that. She doesn't understand that if they all |
| 2:01.6 | default, that it all reflects on her and that she could be the one that's responsible for all of it. |
| 2:08.3 | Correct. So there's another curveball here. One of the sisters has cancer, and so her and her husband |
| 2:13.2 | aren't really working. You've worked too hard to get control of your money just to let strangers |
| 2:17.8 | control your data. Every online sign up, discount code, and free trial comes at a cost, |
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