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'But you said on the phone I can have my best friend as a co-signer.'
"My owner is taking this "best friend" thing too far. He asked me to co-sign a loan for him."
'Your parents certainly can't co-sign. According to our records, they can't even afford to have children.'
'You're not old enough to borrow money, and even if you were, your imaginary playmate couldn't co-sign for you.'
'Since you don't have a co-signer, we will provide one for you.'
'Our son wants us to cosign for his 2-story house. The first story is, it's got termites. The second is the roof leaks.'