<prompt> Human: I was able to postpone payment of the loan because Im back in school but I dont know how Im going to pay that after I graduate, or even how to transfer the debt over to me and not have it under my moms name. I was aware of the loan I took out under my name and was able to postpone paying it so that I wouldnt accrue any late fees. I was vaguely aware of a second loan, but when I asked officials about any other loan balances besides my own, everyone said there werent any others. So I ignored my doubts. Until my mom gave me a letter about a past due loan payment. After some digging I found out there was a loan under my moms name: the parent plus loan. Please help  <response>: Parent plus loans are solely in the name of the parent. Its her legal responsibility to pay.It isnt your debt. Its hers. 