I don’t get why people can sign themself as a debt guarantor that easily. Even if it is your closest friends or your own siblings, don’t do that. Especially when you have your own family to support. It is an irresponsible act. You can help your friends/siblings in other ways, just don’t become a debt guarantor for someone else. I’ve seen enough people around me that ends up ruining their lives, lost their minds, became homeless, or even attempted suicide because of it.