<prompt> Human: Background: I am entering my final 4th year at a top-5 US university, where I am doing very well. I come from an upper-middle-class family and my parents are divorced as of 4 years ago. My mom lives with my younger sister and makes a fine salary, my dad pays some child support for my sister but nothing else to my mother. I do not receive spending money from either parent other than occasional gifts from my mother. I work 2 jobs at school for pocket money and small savings. I am working this summer but barely make enough for rentfood, my dad never once asked me how I was supporting myself...My dad makes in the ballpark of 200,000-300,000 a year, not quite sure. When my parents divorced he agreed that he would pay child support for my little sister and that he would pay my college tuition they divorced right when I was graduating high school. Freshman year of college, I received financial aid even though my parents were doing fine, my school has a pretty generous aid system no loans. Sophomore year my dad began making more than he had before and they stopped giving me aid.That year he paid it, though somewhat reluctantly. They actually made us pay back some of the aid for the beginning of the year because they found disparities in what my dad said he made and his actual tax returns, so my mom covered some of that to keep him calm. Last year he was late on both payments but eventually paid, consequences were late fees and I didnt have any dining for two weeks. Now senior year is coming around and he claims that he cannotwill not pay the bill, at least not now. He wants me to take out private student loans I am not eligible for the universitys subsidized loans. He claims he will pay them back himself at some point. We are talking just under 60,000. He does have the option of choosing a 12 month payment plan. He does not want to do that. He could have chosen a sponsored parent loan program, but he did not act before the due date even though I provided him all the information and set up an account for him in advance. I may very well be taking out graduate school loans in less than a year. I dont know what the wisest path is for me right now. I trust somewhat that he will indeed pay for it I dont trust that he will be responsible or cooperative in doing so.Im afraid that Im going to be attacked for my privilege but please just look at it from this particular situation. I entered this school under the impression that it was financially 100 okay that my dad was paying for it all. I could have gone to schools where I would have been offered merit aid, perhaps, but my school doesnt have that. My dad makes a lot of money. There is no logical reason that he should be unable to pay. He doesnt exactly spend his money super carefully. If he had told me 4 years ago that he wouldnt pay for my college, I would have made other plans, but its too late now.Help? I am trying to make sure that I graduate and to minimize the risk to myself. My mom doesnt want me to make my dad sign any sort of legal documents binding him to paying my loans, and I dont really either, nor do I know if thats possible this would be based on the fact that he said he would pay my tuition in the divorce?. I have very little time to decide a payment plan since things are due soon. I can answer specific questions if you have any.Final note, my dad is extremely unreasonable, emotionally manipulative, generally mean to me. not to sound childish Thanks so much for any help in figuring out how I can deal with this, I want to make a responsible and mature decision and prevent me or my mom from financially endangering ourselves. TL;DR: my dad makes enough money to pay for my college, but he doesnt want to pay up front. I was expecting him to pay and now I am scrambling to figure out a payment plan or loan that will be the most secure for me, especially since I will likely be going to grad school. He says he would pay back loans but he is unpredictable.  <response>: Its in the divorce decree that he pay? Have your mothers lawyer call your fathers lawyer. 