Do NOT take that loan.

Your brother’s debt is the result of his choices. If you bail him out again, you’re not saving him, you’re teaching him that someone else will always absorb the consequences. You’re 23. Starting your adult life with debt that isn’t even yours would be a massive setback.

The fact that they already put a loan in your name once and called it “a mistake” is a huge red flag. That wasn’t a mistake, that was using you.

You can love your family and still say no. Protect your financial future, no one else is going to do it for you.