Don't do it. If the friend doesn't pay the monthly payment, it will not only affect his credit score but also your hu*****and's too. Finally debt collector will go after your hu*****and. It will protentially destroy your hu*****and's credit. This is much worse than lending him some money. When you two have bad credit score, it will cost you thousands of dallors when you apply a mortgage or a loan. Never, never do this type of thing.