<prompt> Human: I went and get a Certificate back in 2007. My father got a student loan in his name and said it was his responsibility. There was a smaller second loan that both of our names were on and that one was my responsibility. I paid that off in 2012. Part of my smaller loan was for a laptop, while some more of it was for a down payment on a car. In 2008, they paid off my car 15,000 with a second mortgage, as a graduation gift. The deal was that I pay them back with no interest. It lowered my monthly payment by 300month. I finished paying them off in 2013. edit: This is just showing that we have made financial agreements in the past. My father is now asking me to pay off the loan in his name. Principal of 19,550. It has been in forbearance for the last year, and they did it once before that as well. So, lots of interest has accrued. My father is a baby boomer, and never went to college. He is now retired with not much income, just remodeled the entire kitchen all new appliances, but all labor done by himself, and saved some money by reusing the old cabinetry but making it nicer. He recently bought an 1,100 home brewing kit. Last year he landscaped and installed a covered patio in the back yard again, all his own labor. These are all normal things that retired people should do. I have no ill feelings about that. However, there are choices made in life that lead to more choices. I went to college and got a certificate in a field that I never got to do anything with. Ive made some poor financial decisions myself, and actually just got my credit scores over 700 since filing bankruptcy in 2015. Ive had to teach myself by research on internet, and trail error everything I know about finances. I have a wife and a six year-old, and none of us have health insurance. We are planning on getting it this summer when a huge expense of ours is finished with private school for the kid. Not only that, but we need to be saving more. I would love to be in a position where I could afford to do this, but Im really not. My father says that hes exhausted all efforts to get the loan taken care of. Im not sure what I should do...  <response>: I think this is a relationships question as much as it is a finance one. You are not obligated to pay back a loan not in your name. How much do you value your relationship with your father? 