Apple Music
If someone buys a family plan on apple music but you have different icloud accounts do i have to sign into their icloud account on my phone to use their apple music?
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No.
Family Sharing and Apple Music Sharing are designed to work through different Apple IDs.
The Family Organizer needs to invite your Apple ID to the Family Group, you can then make use of the Apple Music Family Plan.
Apple IDs should never be shared for any reason between different people.
See here: Get an Apple Music family subscription - Apple Support