I am cosigning a loan and I was wondering if there is any way that I can make it so if they stop paying that I can get off as the cosigner?

No, the whole idea of having a cosigner is so that if the original person can't make a payment, the cosigner does. Banks don't like it if you cosign and then won't make good on it--that's even worse on your credit than if the original signer doesn't follow through! If you don't trust the person, don't cosign--or make it very plain to them what will happen to each of you if they don't follow through.

If they've asked you to cosign, chances are you're good friends. It's best for both of you if you're willing to make a payment on the loan if they run into trouble. If you're willing to loan them that much money once in awhile, this shouldn't be a problem.

But if it is, don't sign.

No, that is the point of cosigning. They have someone else to go after if the original person defaults on the loan. If you're worried about them not following through you shouldn't cosign.

If they mess up they could affect your credit rating.

Trace is right. However legal issues always allow for possible alternative outcomes: *In theory*, you could, once the loan was cosigned and entered into, defend against the bank's legal action to have you pay for the loan, once you default on it when your co-signer vanishes, but now you're talking about mounting a defense in civil court against the bank, based on some argument that something about the loan was defective when it was entered into (defenses could include such concepts as saying that you co-signed under duress, or you were not competent to enter into any contract due to mental illness, or you don't speak English, and there was no Hungarian translation provided). HOWEVER, such defenses are raised in civil court, where everything takes years to get resolved, and the expense of litigation typically makes going to court more expensive than the loan itself.To summarize, absent a valid legal defense to the enforcement of the loan's provisions, the bank has you, and you must pay when your co-signer disappears.

If you are even thinking about this, you need to walk away.

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