<prompt> Human: I was an idiot before college and went into it without thinking much about how much money I would owed once I graduated. My parents, who didnt think about it too much either, took about 100,000 in parent plus loans for me, and it wasnt until after I graduated that I realized I owed my parents this much money. Now Im paying them 700 a month for my loans, and the loans have such a high interest rate that Im barely making a dent in the overall debt. Its a general question, but is there anything I can do to help my parents lower the parent plus loans?  <response>: Before I write anything, I am not a lawyer. Consult a legal professional to figure out exactly what your obligations and rights are.That said, if my information about Parent loans is correct, legally your parents are on the hook. You do not owe anything.Now your parents may believe that you have a moral duty to pay the loans back. Its up to you to decide whether you agree with that. But legally, they took the loans and they have to repay them. 