<prompt> Human: This may be more of an ethical question than a financial one. Mods: please inform me if Im breaking any rules.I went to an out-of-state college and my father generously paid my first 2 years of tuition, housing, and meals without taking out loans. His business began to falter about half-way through, and we both took out loans for the last 2 years. He borrowed 80K at roughly 3.5 interest, and I took out about 20K at 4 interest. In early 2008, his business went under and he was no longer able to make the monthly payments 350mo, so I took them over. He is now in retirement, and collects some income from investments as well as social security not entirely sure how much, but would estimate 35K-40Kyear after taxes.Today there is just under 50K principal remaining on the loan that he took out, and I have paid mine off. I have now been paying loans which he took out for 7 years by paying him 3 months payments each quarter. My bank account is not linked to the payment system. I recently offered to pay a lump sum of 25K, with him adding another 25K so we can pay his loan off. He has bristled at this idea...claiming rightfully so that this was my education and that he already paid his half in the first two years. However, we never made this arrangement up front.Am I being unreasonable with this proposed arrangement?  <response>: Its up to you two. Its your overpriced education so ethically its yours to pay. Legally its his. 