<prompt> Human: My parents helped me out with college and have been paying for about a year on a Parent PLUS Student Loan. Right now, monthly payments are about 1,000 a month, and I give my dad 600 every month to help out with that. I want to do this, as it was for my education. However, they are all in his name. This is a problem for a few reasons: He wants to move in the next few years, and is worried that having this huge loan on his Credit Report will affect his prospects of getting a new home I would like these huge payments and Credit history on my own Credit Report. This is a large loan that I know I can pay off, and I want to be able to have it on my history and not my Dads. It feels like the 600 a month I am paying him is going down the drain a bit. Can I refinance these somehow to get them in my name?  <response>: yes, this is possible, but only through private lenders Federal consolidation does not allow transfer of responsibility. Not every private creditor will do this, either. Some of the key players do, though, like Sofi and Commonbond, as last I knew. Whether youll get a better rate or not or even get approved at all depends on your income, job class, and credit history. 