AIBU To Say No

(ah, see you have decided).

GrannyGravy13

If you can afford to lose the money go ahead with being a guarantor if not you have to say no.

This, but if you can manage this one more time talk it over with DH and both say OK, but after this we literally cannot support you anymore.

I'm not over optimistic if this is a long term pattern that this boundary will be easy to hold but needs must, you aren't getting any younger and needs increase.
How distressing for you

Dont think I have quoted a bible verse on GN before, but in this case I am happy to.
Up to you whether you choose to take the advice

Proverbs 22:26-27 -- Be not one of those who give pledges, who put up security for debts. If you have nothing with which to pay, why should your bed be taken from under you?

Thanks ladies. Well I made the call and was sorry but had to say no. She was ok about it but it seems landlords want a guarantor nowadays. It's a sorry state for anyone trying to find somewhere to live. It will not get any better for people.

just
say
no

It's a risk Moonwatcher and if you are to consider it, it should be because you're confident she wont default and leave you with the financial burden, and not because you think if you say no, she'll kick off and be horrible.

The latter is emotional blackmail, even if it hasn't actually been threatened.

If you can afford to lose the money go ahead with being a guarantor if not you have to say no.

Yanbu

Be honest. Say you can't guarantee to be able to guarantee if she defaults.