My friend wants me to take out a loan for her, how can I find an excuse not to?

Can you help me. I don't know anything about credit, so I have to tell a logical lie. What can I say to avoid suffering? I don't want him to understand. Will he believe that I can't withdraw money while I have a loan on me?

My friend wants me to take out a loan for her, how can I find an excuse not to?
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