<prompt> Human: So we found out about this lovely little nightmare last night and I could use some advice. My in-laws have always been horrible with money, but since it never affected us directly, I never cared much.The recent predicament: Sallie Mae claimed my wife was 9 months delinquent on her student loans. She and I thought these loans were paid in full 3 years ago. Her parents have always managed them and even told us that they were paid off. In fact, my wife, until last night, had no way of even accessing her account - she never had login credentials or even knew the lender was Sallie Mae. And, being sheltered from finance, my wife didnt even know the loans were in her name.The in-laws stopped paying them without telling us. My wife and I are going to try to negotiate with Sallie Mae and explain the situation, since her credit dropped from 780 to 414.The issue is that my in-laws, now both retired, currently own 14 timeshares and they keep buying more! They just took out a loan for a timeshare near Epcot. In order to ease their financial burden, theyre trying to unload older timeshares on my wife and I, disguising them as gifts we are refusing adamantly.Theyve already filed bankruptcy once and theyre not too far from it again.My wife and I can handle her credit hit easily enough, and paying off the loans isnt a problem either, but how on earth do I get these two children to stop buying these things? Are there any reputable studies and sources showing the financial liability timeshares represent?  <response>: how on earth do I get these two children to stop buying these things?Honestly you cant. Having 14 timeshares is as crazy as it sounds...regardless of financial situation. They would only figure it out now if they were looking to become educated on the topic- every indication is this is not.Best thing you can do is ensure theres a 100 foot high firewall between any of their finances and yours. Do not take on their liabilities. You might need to assess how much support if any youd be willing to give once their final savings run out. 