<prompt> Human: I have 40,000 in student loans ranging in interest rates from 4-8. I have no credit card debt or other debt of any kind. My mom is helping me payoff my student loans. However, she also has 15,000 in credit card debt of her own at an interest rate of 13.I had the idea to give her money toward her credit card debt before paying off my student loans, in exchange for her taking responsibility for an equal amount of my student loans ex: I pay 15,000 to her credit card, then Im off the hook for 15,000 of my loans. My reasoning is that I pay roughly the same amount of money either way, but she saves some money in interest.I have a great relationship with my mom, and I have no worries of her sticking me with my loans after I help her like some people might. But does this plan have any other consequences Im not aware of such as worsening my credit, etc.?Thanks so much for your help. I just graduated college and got a job making 55,000year and Im still trying to figure out this whole being an adult with money thing.  <response>: I get where youre coming from. My biggest question is why is your mom in credit card debt? If that isnt a one sentence answer about some giant one time unforseeable expense, then I would be concerned about her ability to stay out of debt long enough to pay back her chunk of your loans, despite her best intentions. If it was, then it might be ok. But ask yourself how you would feel if something comes up and shes not able to hold up her end of the bargain. Would it eat you up every month when you pay your loans? Is that risk worth saving the family 5year? 