My mom is considering co-signing for me on an auto loan. She is wondering how much it would affect her credit score on a vehicle around $19K. Here is the situation. I have a great income, but my credit is just starting to be on the Ok side of repair. My mom has great credit but is retired. Her thinking is that it would get me a better interest rate and keep my payments lower while assisting in building my credit. Her current income is based on 401K disbursements, SS disbursements and a part time job which probably equals out to about another $1000 a month. She does have her own car loan, a house mortgage (about $20K Equity) and a few credit cards that she is probably at or below 50% balance on any one of them. She is wondering how much her credit might be hit if she were to take on an additional $19K of debt. I have a very low debt to income ratio right now so I am not sure how much that might offset hers. Any advice that can be given on this would be great.

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Edit: My scores are 556 (trans union) and 529 (Experian). We haven't pulled my mom's recently but last we checked she was in the mid 700's through those agencies.