<prompt> Human: I was at my parents house last night and saw an envelope addressed to my mom from NELNET, the company in charge of her parent plus loan and my personal college loan that she had taken out for myself and my brother. She had hinted before that she was struggling to make payments for my brothers loan and Ive offered to help pay for my loan every month once it gets out of the grace period but she told me to not worry. But Ive been starting to worry, she doesnt make much and she has to pay for 70k in loans 40k for me, 26k for my brotherWell we opened it and it said her loan we think its my brothers but were not 100 sure is in default and that the entire amount is due immediately and in collections...she doesnt seemed too worried but Im wtfing over here. So what can I do? What can she do? I know it will affect her credit if it gets to collections, should I be worried about my credit at all? I am just extremely caught off guard and need any words of advice i can get.EDIT: Thanks for responses guys. It turns out the defaulted loan is my brothers, not mine. Were working on lowering the payments to a manageable level it apparently isnt in collections yet.  <response>: I know it will affect her credit if it gets to collectionsSeems like its already in collections.should I be worried about my credit at all?Parent PLUS loans are in the name of the parent only. It will not affect your credit. 