There's a little sunshine in a dark world.

I had to approach my dad for a loan and he echoed the same concerns as many of you. He did give me a little security blanket, of course at repayment terms that are more than a bank, but it works.

Then he sends me an email.

"I have an idea to help your credit. What's your score?"

Of course my score isn't that great, I estimate it for me and he returns the email almost instantly.

"I was going to buy a house. Maybe WE should by the house, they have that tax credit you know."

A house? Are you nuts? I'm already barely surviving. A year ago I was making over $50K. Now after a layoff and two job switches since, I'm suffering in just under $30,000. That's a big difference. That's a "I used to pay off my credit cards, now I make a bit over minimum payments" difference. He told me to talk to a loan agent.

The loan agent said that the credit would apply with my dad as the co-signer; however, just I have to be the primary and live in the home at least three years. If we get a duplex, only 1/2 of the cost applies to the home. So I need to spend at least $160,000 on the home. Because of my credit, I would need a healthy down payment and the credit applies the purchase during the 2008 tax season - so I can't count on it as the down payment.

I'm meeting with my dad to hear what he says about it. I think its basically going to come down to him buying the house and my rent covering the mortgage, and of course, turning over the $8K at tax time.

And I know the provision is that the BF can't live there. Funny, same thing I told my brother ...

What's a girl to do?

I feel like it's been written before and I'm just rewriting the past.

Girl meets boy, boy rapes girl financially, girl picks up the pieces but is left in shambles. When we got back from Vegas it turned out that the $1300 check from the BF bounced for his half of the expenses from August as well as his money for Vegas. And there's no money to replace it. From switching jobs I already was down a paycheck, I already took an advance. I'm living on $1100 a month for $1600 in bills. And then this.

The worst part is he doesn't even seem to want to fix the situation. When I ran into money troubles I sold my laptop, TV, DVD, Blue Ray, Video Game Systems, Furniture - until I virtually had no belongings to make sure I had rent - yet here he is the owner of a 52" TV and he won't even sell that. After not being able to get a loan or find a co-signer his answer is "Well, I'll just owe people money." That includes me - $2 grand now because we had to borrow $700 from my mom to cover rent.

A huge part of me says just walk away - hello 2005 when my ex sued me for the stupid debt I co-signed on. Huge part of me says get a part time job, owrk through it.

But this for a guy who doesn't want to marry me or have children.