Reply to Parent expecting me to pay back parent plus loan

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]You should have started paying for it the instant you started earning money, WTF is wrong with you that you've been mooching off of mommy so long that you are married with two children???[/quote]

If OP's mom wanted expected her to pay the Parent Plus as soon as OP started making money, then she should have told her then and laid out the expectations and monthly contribution.  OP likely would have to pay MORE now since the mom has been letting it languish.  Sorry, but it's really really poor behavior from the mom, full stop.[/quote]

She told OP that was always the expectation.[/quote]

Ok, but WHEN did she tell OP that was always the expectaion?  Obviously mom isn't here to give her side of the story but according to OP she just found that out now.  That's not fair as the loan has likely ballooned in size over the years due to the interest rates.

Re: the moral obligation to pay because the loan was for college, there are reasons why students are limited in the amount of loans they can take out in their name.  Although they are used this way, Parent Plus loans shouldn't be a backdoor to getting more loans for the student to repay, they are meant to be loans for the parents.  No parent should take these out expecting that their kid will be able to pay it back, especially if the student already has federal loans in their name.  There are other private loan options that can be in a student's name with a co-signer.  These options also suck but at least the student has their skin in the game upfront.[/quote]

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