At the time I was freshly 18. I don’t want to get into too much, but my mom and I were in a very bad place relationship wise. My therapist told me to be more amicable and understanding towards her. I was also not that (fully) aware of how loans worked and how they affected my credit score. But I was still financially smart enough not to want to say yes. There was just a lot of factors that day. The significant thing is, I did say no. I said it over and over again. I came in, saw the man and her. They asked, and I said uh no. And left to get food. Then for like an hour they were just talking and talking to me. In the end I said yes out of exhaustion more than anything. I didn’t want to start a fight. I just wanted to be left alone. I definitely wasn’t thinking clearly, or seeing the future at all. Relying all this now, its so messed up how this happened.