<prompt> Human: I graduated this August and my grace period ends in 6 months, making March 2018 my first payment day. The standard federal subsidized loan has me paying 195 for the next 10 years. My dad is offering to pay it off in full this March, and assures me that he will take care of it. I know I am extremely blessed to have parents who are even offering to help, let alone pay it off in its entirety, but I cant help but be worried. My little brother started college as well, and they will be paying 10k for the next four years if he graduates on time for him as well. I also plan on going to pharmacy school, which will be another 200k in tuition in the future. My parents are immigrants with a small family business. They are hard working, but definitely not rich. Am I screwing with my parents savings, emergency plan, etc? Will it be safer for me to just pay the monthly payment with my part time job making slightly more than minimum wage, and deal with the less than 5 interest rate? Thank you to everyone who responds in advance.  <response>: yes,if you are concerned about the karmic balance of taking from them, then my suggestion is you take their help, proceed to pharmacy school, and help as many people in that profession as you can. 