Reply to Make our kids take loans and pay them at the end as surprise, good idea?

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Reply to "Make our kids take loans and pay them at the end as surprise, good idea?"

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[quote=Anonymous]I think it's a foolish idea to pay loan origination fees and any interest just to have a "surprise!" moment at the end. Just ask any financial advisor.

I also don't believe in threatening to stop paying for bad grades -- there have got to be other ways to communicate with and help your kids if they're struggling. That should be communication that's happening all the way through -- not waiting for the end of the semester for a bad grade that's too late to fix. I'm not talking about checking whether they've turned in their homework, but it's about talking about a balanced courseload, the importance of going to class (because college profs don't generally care if kids don't show up!), about building relationships with profs and TAs, about going to your advisor for help, etc. College is a whole different ball of wax from high school and there's nothing wrong with expecting your kids to take responsibility for themselves without essentially saying good luck, sink or swim, I'll let you know at the end of the semester whether I'll keep paying for you.
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