I had to read up on what it means to co-sign anything before replying.

A friend isn't much of a friend, or is a foolish friend (note: potential victim) if they ask you to co-sign anything. The bank doesn't think your friend can pay for it, so the bank asked him to find someone to co-sign for it (someone who could pay it back). He might as well be trying to get the money from you at knife point. You are likely to have to pay for the whole thing, while dealing with the smudged credit rating. Your friendship would be ruined much like it would have been had your friend robbed you.

The moral of the story is: Don't co-sign anything, but don't be against the idea of offering the required money (in cash) as a "GIFT". Use it to gain a favour as it might be a good investment (don't expect cash back though). Alternatively, you could use it to buy his services (if you think he has skills you think is worth you money).

Yeah, knowing you're a dumbass when you loan a friend money, and not lending it to start with are two different things...

Huh, just took that test.

....

The Machiavelli personality test has a range of 0-100

Your Machiavelli score is: 88

"high Mach", you endorse Machiavelli's opinions.

Most people fall somewhere in the middle, but there's a significant minority at either extreme.

....

Wow, that was unexpected. I answered everything with what I actually do and live by, not just beleive.

Machiavelli, ftw.