<prompt> Human: Hi Everyone,Im looking for more info on options with Parent Plus loans. Ive explained my specific situation below.Background info: only child, dad owns his own business, mom helps him she was previously a personal bankerI went to a 4-year university out of state and accrued some amount of student loans. Personally, I have 28k in federal subsidizedunsubsidized loans that I have consolidated for an average interest rate, and lower monthly payment. My mom took out a Parent Plus loan for each year of college amounting to around 40k per year. She has been paying on the first loan since I started school in 2012, but deferred the rest. Initially, she used some of the money that I got back from overpayment to the school when I lived off-campus to repay on the first loan; however, most of that money eventually disappeared into my dads new truck, camper, and Polaris. Now that I have been out for a year, payments on these loans are ridiculously high- 2000 per month. I have been giving her 500 per month, plus paying on my own loans. My dad doesnt really help out with the loan payments, so its just my mom and I. At this point, Im at a deficit every month, with no money leftover to savebuild an emergency fund. Note: I have no money saved from jobs prior to my job out of college because my parents never would allow me to work while I was in school. I worked a little throughout college, but only enough for foodgas.My main ask is what can I do to make Parent Plus loans manageable? My mom looked into consolidation, but immediately turned it down, because she said they would make my dad co-sign, which he cant do because he owns his own business it would tie up too much of his credit. Refinancing is another option, but also potentially requires a co-signer with a loss of the government benefits.tldr; I cant afford to pay 500month on my moms Parent Plus loan, and she cant afford the remaining 1500month. My dad co-signing is out of the question as he owns his own business. Options?Any helpsuggestions are appreciated. Thank you!  <response>: You really need to get your dad on board or the interest is going to crush you and your mother. Working for a non profit for debt forgiveness doesnt apply to parent plus loans. Unfortunately theres no easy way out here other than getting a good paying job, living with your parents and throwing every cent you have at these loans. 