<prompt> Human: The title pretty much sums it up.I have a parent-plus loan covering my schooling. Eventually I would like it to just take it over for my parents once Im out of school. What are my options? My current thought process has me going to a bank and getting a loan to cover the amount and having my dad co-sign or something so that I am the one paying it.  <response>: Why on earth would you want to do this? And if your dad is co-signing on the new loan which would almost certainly have a higher interest rate hes just as responsible as he is now. What would this accomplish? If you want to help them pay it off, make payments. And pleeease dont say so my credit score will go up. 