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Sack Boyz Entertainment presents

Before You Co-Sign

Count the guarantee before your name goes on it.

A co-signature is not a favor on paper — it is a promise to pay somebody else's debt, in full, if they don't. This free tool counts that promise in writing before your name goes on it: whose debt it is, the whole amount your name guarantees, and what walks toward you if the payments stop. Everything runs in your browser — nothing you type is sent anywhere.

— The Count And The Walk, Before The Signature

Three parts, in order: name the debt, count the guarantee, walk the gates. The sheet prints only when the count stands and every gate is counted — a signature this size should never ride on a monthly payment alone.

1 · Whose debt this is

2 · The count — what your name guarantees

Off the loan paper itself: the amount, the rate, the term. The payment is figured the way a statement runs — payment rounded to the cent, every payment counted.

One payment
—
Every payment, all in
—
payment × term
Cost of the money
—
the interest inside those payments
If they pay nothing, your name stands for
—
every payment, start to finish — that is the size of a co-signature

3 · The walk — six gates, counted honestly

Mark each gate only when it is true. "Not yet" is an honest answer — and the sheet waits for it. The walk is the point: a gate you have not counted is a gate the signature skips.

  • Gate 1. I know whose debt this is, and what it buys.

  • Gate 2. I have seen the loan paper itself — the amount, the rate, the term, the payment.

  • Gate 3. I have counted the whole guarantee — every payment, not just the monthly one.

  • Gate 4. This payment could land on me, every month, and my own house still stands.

  • Gate 5. I know this loan can stand on my own credit report, and count against my own borrowing.

  • Gate 6. I know a co-signer's name usually comes off only when the loan is paid off, or refinanced without it — not by asking.

Name the borrower and count the loan — the sheet prints when the count stands and all six gates are counted.

— Get the app

Before You Co-Sign is free, forever. Put it on your home screen like any app — no store, no account, no cost — and it works offline once it's yours. Keep it where the big signatures get decided.

On iPhone: tap Share, then "Add to Home Screen."
On Android: tap the menu (⋮), then "Install app" or "Add to Home screen."