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Okay, so, I have this issue right...

A few years ago my mother co-signed for a car, for my (then 27) 30 year old sister. My sister and her husband had been really bad with their credit, and they had no way of getting a car on their own, but they needed one to get the husband to work to feed their three kids. My mom co-signed for the car, and then made them promise not to default on the loan, which had happened before, on stuff they did themselves. They promised not to.

They did.

Now, the car is sitting in my drive way (I live with my mom), and nither of us can drive it (It's a stick-shift, and mom physically can't, and I don't know how).
She offered to give it back to my sister and her hubby if they paid for it and got it out of her name. The only way to do that, is to pay it off. They owe $7000 on it, approx., and they get about that much on the tax returns. They agreed to pay it off, but mom said that she couldn't afford to make the $250 payments on it waiting for them to come up with the money. (When they defaulted, she became responsible, for those of you who don't know about co-signing.)

She asked me for it.

Now, I'm going to be honest here. My mother is Bi-Polar. That means, she has times when she's normal, like anyone else's mom, and times shes not. The times she's not, she's either depressed, and doesn't care about anything, sleeps all day, mopes around the house, etc., or Manic, which means she is a total neat freak, and can go out with $200, and come home with nothing in her wallet, or anything to show for it. Money has always been a touchy subject in my house, and it's started a few fights.

I am also almost 21, going to college, taking care of the house and my mother, (Who recently discovered Warcraft, and doesn't leave her computer much). I get aid to go to college from the government because my mother is a US Air Force veteran. They send me $863.32, of which, I get to keep $63.32 of. Now, I am all for helping out at home, and I believe in paying rent. But I pay $800 a month for a room in my mothers house. My boyfriend's brother pays $600 for an entire house that he has all to himself (That he rents from his dad), and my best friend pays $400 for an apartment in a nice part of town. When I agreed to pay that much, I was 16, and had no use for the money, and thought I should help out. We don't live in a poverty stricken area, and her money is always the same amount every month. (she's on disability for an injury incured in the Air Force.)

I work, but as a music teacher with out the credentials for working in a real school, am confined to freelance work, and therefore only make $120 a month with that. My father, (parent's are divorced) sends me $180 a month as part of the divorce decree thing him and Mom have set up. I'm allowed to have the $300 from those sources, and the 63.32 from the Gov.. I make, when I am actively in school, (not on break) $363.32. Otherwise, I survive on $300 a month. I pay my own cell phone bill, my own credit card, my own car insurance, (Even though I rarely drive.) I buy most of my own clothes, my own computer stuff, and my own food for when I go to school. I also take care of my dog, by myself.

It seems like a lot of history, but I have a point here.

She didn't ask me for the $250 for a month, or even two, but the entire $7000. When we were trying to figure out how to get rid of the car, I jokingly said, "Heh, well, I could just take out a student loan, and pay it off that way, and then we could pay it off at $50 a month instead of $250!". She took it as serious, and insisted that I take out this loan.

I didn't qualify for one, because of the aid I am getting that they THINK I am being allowed to keep, and so, my mother devised a plan.
She told the school I moved, and gave my sisters address as my new address.
Now, I'm gonna admit, I'm kinda stupid. I let her, and even helped her. I understand, now, the implications of that, and the leagle repercussions such an act can have.

Anyway, I got the first half of the $6000 loan, (That's $3000. That's important right there. Watch.)
I transferred it to her bank account, and told her "There you go, pay the car off as much as you can with that, and then the rest when I get it."

As should have been expected, she didn't.

$2000 is still sitting in her bank account.

"But Merelii," you say, "I thought you gave her THREE thousand?"

She -spent- $1000 of it. God knows where. She claims that she bought shoes and clothes and etc for me with it, but if that was true, then I have a wardrobe made out of freaking GOLD some where. On top of that, she had to charge out school books to her credit card. (Did I mention she goes to school just so she can get the Pell grant?)
So, god knows where she spent it, and she's short now, $2000 instead of the $1000 originaly.

So today, I called and canceled the other half of the loan. I'm only in debt $3000 instead of six, but it's money that she's already told me I'll have to pay back myself, because I owe it to her for "Summer's rent". I didn't get my $800 a month over summer, because there was no school, and so she's still charging me it.
I found out last week that my sister's paying mom back for the car, after she pays it off with my loan money, so my mother is going to PROFIT that $6000 from this. (well, not now, that I canceled the loan.)

My friends are very supportive, and they told me I have a place to live if she throws me out, but, my mother's always been very scary to me, and angering her was never a good idea. She's exploded over small things, and she has, on rare occasion, beat the crap out of me or my sister for stupid little things, including times we never found out what we did.
I understand that I should have never let her do this in the first place, but I can't fix that now.

----Update----

I told her that I canceled the loan, and she basically ignored it. She went back to her TV watching and basically dismissed me. I had already gone to bed by the time she decided to come in and yell at me, but she thought I was asleep, so she didn't. A few days she was fine, and then about three days later, she layed in to me about it. She told me that she was going to give me the full amount of the money back and that with the extra $1000 she was going to buy me a car "for my birthday". It's highly doubtful that she was actually going to do so, she had three days to come up with an idea all her own. During the conversation, she asked why I hadn't come to her before, and when I explained that she worried and scared me, she told me that I should leave, if that was the case.

All in all, I'm looking for a new apartment, and plan to be out before my 21st birthday, which is on April 17th.

Good luck to me, and ya'll out there!!

Merelii