Anonymous
Post 07/31/2025 10:27     Subject: Parent expecting me to pay back parent plus loan
Anonymous wrote:
Anonymous wrote:Wow 😲😳

Pay your bills!


Who are you talking to here? OP does not have a bill related to the parent-plus loan. Her mother, who signed the loan, is the sole obligor.


But be realistic, the loan was for the OP college. Assuming she knew her mom took out the loan (and HTH do you not?!?!) then it is upon her to assist with paying it from a moral standpoint.

Anonymous
Post 07/31/2025 10:22     Subject: Re:Parent expecting me to pay back parent plus loan
Haiiii
Anonymous
Post 07/31/2025 10:21     Subject: Parent expecting me to pay back parent plus loan
This is why the trump’s tax bill is limiting loan amounts. Parents and students can’t pay them back!

Yes, OP, you should pay back the loan.

My MIL lent her brother 30k to pay for her nephew’s undergraduate education. Her brother never paid her back so she asked her nephew to pay her back. He basically said FU and they no longer talk.
Anonymous
Post 07/31/2025 06:59     Subject: Parent expecting me to pay back parent plus loan
Anonymous wrote: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???


lol it’s not mooching you psychopath. Some parents pay for their kids college.
Anonymous
Post 07/31/2025 06:58     Subject: Parent expecting me to pay back parent plus loan
I disagree. Your parents made the choice to take out the loan. That’s not your responsibility. They could have told you no, made different spending/saving decisions. They had agency over finances and you did not. It’s not your problem. If you want to help (and you should want to help), you can. But it’s not your obligation.
Anonymous
Post 07/31/2025 06:29     Subject: Re:Parent expecting me to pay back parent plus loan
Either this is a troll post or you are a clueless idiot.
Anonymous
Post 07/29/2025 06:40     Subject: Re:Parent expecting me to pay back parent plus loan
Maybe I missed it - did OP’s mom let them know she was taking out a parent plus loan at the beginning of college? And was there any discussion about expecting OP to take over payments at some point? I took out a parent loan and paid it off. I would never expect my kid to pay it unless we had an agreement in place.

If the cost of this college was not affordable, the mom should have instructed OP to find an affordable option. I had to tell 2 of my kids their top choices were not an option because of cost.
Anonymous
Post 07/29/2025 05:04     Subject: Parent expecting me to pay back parent plus loan
Anonymous wrote: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???


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.
Anonymous
Post 07/28/2025 22:53     Subject: Parent expecting me to pay back parent plus loan
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???
Anonymous
Post 07/28/2025 22:08     Subject: Parent expecting me to pay back parent plus loan
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:It’s a loan under her name. Paying 1000k monthly while I have other student loans plus my husbands loans + daycare is a lot. I’m mad because of the way she handled it. She could have sit down with us and explained the situation- instead I get a random text with the log in for the loan telling me to pay next month.


You can be upset about how she asked, but those loans are for YOUR school. YOU should pay them, not your mom. Yes, daycare and your husband's loans are probably a lot. Maybe you should have waited to have kids until all YOUR loans were paid.


They are not her loans. Not sure why you keep capitalizing the word your. Yelling doesn’t change reality. These loans aren’t hers.

+1


+2 Having one crazy poster repeating the same thing over and over doesn't make it so. Not the OP's loan. Not the OP's credit score. Not the OP's decision to take the loan. Not the OP's responsibility.


Not the OP's credit score. Not the OP's decision to take the loan. Not the OP's responsibility. Not the OP's mom. No, wait a minute, it IS the OP's mom. So how is she going to feel when her mom's house goes into foreclosure and she has nowhere to live? Still not OP's problem? heartless.

OP, just call her up and talk to her about it. Ask how much she can pay per month and see how much you can pay. Why are you paying yoru DH's loan payments? I guess his parents didn't help him the way your mom helped you....


Is she going to pay the mortgage, too? Because it's not going to end here. And OP has made extremely clear that her mother is unwilling to talk honestly about her financial situation.
Anonymous
Post 07/28/2025 21:33     Subject: Parent expecting me to pay back parent plus loan
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:It’s a loan under her name. Paying 1000k monthly while I have other student loans plus my husbands loans + daycare is a lot. I’m mad because of the way she handled it. She could have sit down with us and explained the situation- instead I get a random text with the log in for the loan telling me to pay next month.


You can be upset about how she asked, but those loans are for YOUR school. YOU should pay them, not your mom. Yes, daycare and your husband's loans are probably a lot. Maybe you should have waited to have kids until all YOUR loans were paid.


They are not her loans. Not sure why you keep capitalizing the word your. Yelling doesn’t change reality. These loans aren’t hers.

+1


+2 Having one crazy poster repeating the same thing over and over doesn't make it so. Not the OP's loan. Not the OP's credit score. Not the OP's decision to take the loan. Not the OP's responsibility.


Not the OP's credit score. Not the OP's decision to take the loan. Not the OP's responsibility. Not the OP's mom. No, wait a minute, it IS the OP's mom. So how is she going to feel when her mom's house goes into foreclosure and she has nowhere to live? Still not OP's problem? heartless.

OP, just call her up and talk to her about it. Ask how much she can pay per month and see how much you can pay. Why are you paying yoru DH's loan payments? I guess his parents didn't help him the way your mom helped you....
Anonymous
Post 07/28/2025 21:25     Subject: Parent expecting me to pay back parent plus loan
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:It’s a loan under her name. Paying 1000k monthly while I have other student loans plus my husbands loans + daycare is a lot. I’m mad because of the way she handled it. She could have sit down with us and explained the situation- instead I get a random text with the log in for the loan telling me to pay next month.


You can be upset about how she asked, but those loans are for YOUR school. YOU should pay them, not your mom. Yes, daycare and your husband's loans are probably a lot. Maybe you should have waited to have kids until all YOUR loans were paid.


They are not her loans. Not sure why you keep capitalizing the word your. Yelling doesn’t change reality. These loans aren’t hers.

+1


+2 Having one crazy poster repeating the same thing over and over doesn't make it so. Not the OP's loan. Not the OP's credit score. Not the OP's decision to take the loan. Not the OP's responsibility.

I think it’s just a troll(s) at this point. It’s the normal troll behavior to be as contrarian as possible to the OP. They started immediately on page 1.


I reported this thread--let's see if Jeff thinks someone is sockpuppeting for fun.
Anonymous
Post 07/28/2025 21:08     Subject: Parent expecting me to pay back parent plus loan
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:It’s a loan under her name. Paying 1000k monthly while I have other student loans plus my husbands loans + daycare is a lot. I’m mad because of the way she handled it. She could have sit down with us and explained the situation- instead I get a random text with the log in for the loan telling me to pay next month.


You can be upset about how she asked, but those loans are for YOUR school. YOU should pay them, not your mom. Yes, daycare and your husband's loans are probably a lot. Maybe you should have waited to have kids until all YOUR loans were paid.


They are not her loans. Not sure why you keep capitalizing the word your. Yelling doesn’t change reality. These loans aren’t hers.

+1


+2 Having one crazy poster repeating the same thing over and over doesn't make it so. Not the OP's loan. Not the OP's credit score. Not the OP's decision to take the loan. Not the OP's responsibility.

I think it’s just a troll(s) at this point. It’s the normal troll behavior to be as contrarian as possible to the OP. They started immediately on page 1.
Anonymous
Post 07/28/2025 21:04     Subject: Parent expecting me to pay back parent plus loan
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:Paying off the cost of her education does not obligate OP to help her mom with future financial issues. The real issue is does OP have an obligation to pay for at least part of her education now that she has more money than she did at 18-22. If her name is not on the loan, she doesn’t have a legal obligation even though the loan was taken out for her benefit. She can tell her mother to handle it by herself. Does OP have any moral obligation?


She has no moral obligation to the lender. Let be clear about this. She would be paying the lender whose contract resides with her mother. If my parents default on their mortgage should I swoop in and make sure the mortgage lender doesn’t lose money? If my parents paid for everything I needed as a kid on credit cards, never paid the credit card company should I make sure the credit card company gets their money? No of course not.

If you believe the OP has a moral obligation to help her mother, that is different. Paying this debt may not be in the best interest of her mother. If OP doesn’t have much room to support her mother down the road when she really needs it then throwing 20 K at this may not be wise financially.


OP's mom can be like our fearless leader Donald Trump and declare bankruptcy and discharge her financial obligations. That's apparently the American way. But let's not throw morality at the poor OP who had no idea about any of this til recently, while cheering on billionaires do the same.


+1
Anonymous
Post 07/28/2025 21:04     Subject: Parent expecting me to pay back parent plus loan
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:It’s a loan under her name. Paying 1000k monthly while I have other student loans plus my husbands loans + daycare is a lot. I’m mad because of the way she handled it. She could have sit down with us and explained the situation- instead I get a random text with the log in for the loan telling me to pay next month.


You can be upset about how she asked, but those loans are for YOUR school. YOU should pay them, not your mom. Yes, daycare and your husband's loans are probably a lot. Maybe you should have waited to have kids until all YOUR loans were paid.


They are not her loans. Not sure why you keep capitalizing the word your. Yelling doesn’t change reality. These loans aren’t hers.

+1


+2 Having one crazy poster repeating the same thing over and over doesn't make it so. Not the OP's loan. Not the OP's credit score. Not the OP's decision to take the loan. Not the OP's responsibility.