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Think twice before lending money.
I don't lend.
If they need money and I can afford it, I'll just make a gift of it.
If I can't afford it, they can't have it.
Also, co-signing a loan is the same thing as taking a loan out on someone else's behalf. Only cosign a loan if you're willing to pay it off entirely for that person because all they have to do is stop paying and you're on the hook.
If someone is good to pay back a loan on their own, the bank probably wouldn't want a cosigner. At the very least, they think it's too risky.
Don't lend money that you expect to get back.
This is the way