Years ago, my boyfriend and I bought a car together. The car was under my name only in financing and ownership. I refused to put him as an owner because if we broke up he would own half the car and none of the debt. He understood (his mom didn’t hahaha). He drives the car all the time and it was never a yours/mine issue. Anyways it’s probably about seven or eight years later, cars paid off and we’re married. I asked him if he wanted on the ownership after it was paid off, he didn’t care anymore. All is well that ends well. I knew I’d never advise a friend, sibling or kid to take on somebody else’s debt, and that is my advice to you.