<human>: So this summer I sublet a place. My mother was my guarantor. So trying to rent a place now and nobody works as a guarantor, my mom or dad. I haven't started the lease yet, move in is August 15. They give me two options pay three months rent (what college student has 2000 laying around?) Or find another guarantor (because people who will be my guarantor grow on trees...) I have to ask them what the Fuck else can I do for them to finally say it will go to collection and will hurt my credit score. I doubt they actually know what it means because I guess that haven't dealt with it but could someone explain what happens? Will I have to pay the lease in full? How much will my credit be hurt? I'm about to say Fuck the lease and move somewhere else.

Could you distill the essence of the text into 1-3 sentences?
<bot>: I don't understand why they don't SEE IF YOU HAVE A GUARANTOR BEFORE THEY LET YOU SIGN A LEASE!