<prompt> Human: So, long story short, my brother has gone off the deep end and is refusing to acknowledge his responsibilities. Hes been living it home, has had a job, but he got into some drug use and is in trouble with the law. He hasnt paid his bills in months and now bill collectors are going after my parents for his student loans that they cosigned for. Just yesterday, my parents gave him an ultimatum - either he goes to rehab and theyll pay for it, or he gets out of their house. He chose to walk out. While everyone was out of the house, he came back and messed with stuff outside - like putting a chair in the driveway and stealing the axe I was using to chop would that morning. Theres some other stuff too, but I might ask a more relevant subreddit for advice on that stuff. Currently, he has gotten some of his stuff and is apparently staying with his girlfriend I feel so bad for her. What are their best options? Ideally they would be absolved of any responsibility of the loan, but Im not sure thats possible. EDIT: Thanks for all your replies, I am going to suggest they cut him out of their lives completely. I guess theyll have to pay the loan until my brother comes around, if at all. If anybody sees this, would it be worth refinancing to relieve some stress off my parents in the mean time? Like get lower payments?  <response>: What are their best options? Pay off the student loans and move on with their lives... whatever moving on looks like in this situation.At best - hope that your brother gets better at some point and then feels a moral obligation to repay your parents. Good luck. 