<prompt> Human: My parents had to financially support me 100 while I was a student and didnt earn any money. I went to the US for my final grad degree and theyre in Canada, and had to pay on a terrible exchange rate for the tuition AND to support me financially for 2 years. They took on massive amounts of debt so I didnt have to, and always constantly have no money. I feel terrible and guilty about this since I partially did it to them.I got a job last September and finally became financially independent at 27. They went into massive debt to support me financially up until this age and I dont feel good about it. Theyre still constantly without any money because outgoing expenses are more than they earn and they still had to pay my brothers tuition for law school in Canada he is 25 and still being supported financially by them. So now theyre always asking me to send them money and I cant refuse to give it to them. They always say theyll pay me back within a week, 2 weeks, whatever, but they never really do unless I hound them for it. Im not going to hound them for money anymore, I did that too much as a non-earning student and felt like shit. So when I send them money, I dont expect to get it back. I send them 1k and it gets swallowed up by paying off their overdue bills, so of course they cant pay me back. The good thing is the exchange rate is good, so 1K is less than 800 for me.Recently I had to send my dad 1k CAD for various overdue bills. Then a couple weeks later my mom and brother called me and told me I needed to send over 1500CAD because my brother paid out of his own account which didnt have money for his bar exam and was now in overdarft of -1500 on his own account, which my dad said he would give him back but never did because he had to pay bills and back taxes and whatever else. So thats my brothers bar exam fee I had to pay for because they couldnt. Then my dad said last week he needed another 500CAD from me because he had to do his expenses and would pay me back when he gets his salary on the 15th. I dont expect to get it back without hounding him, which I wont do, but I didnt question it either. I just sent over the money. And I think theyll keep doing this for the foreseeable future because theyre in tons of debt and have too many outgoing payments. But I cant refuse to give them money, I feel too guilty about how they had to 100 support me financially until the age of 27, the last 2 years being in the US on an exchange rate that killed them. The exchange rate in the other direction is good though, so at least thats making things easier on me. But basically I feel like I pretty much have to send them all my spare money whenever they ask for it. This is preventing me from building up savings or any real emergency fund, but I cant not keep sending them money since they never seem to have any despite my dads 6-figure income.Assistant: Just curious why you didnt take out tuition loans yourself? Or if you feel bad, why not take over payment of the loans they took out to pay for your schoolliving expenses? Id say this is more a relationship issue than financial though.Human: I did, the government of Canada gave me 17KCAD which only translates to 12KUSD, which was enough for maybe one years worth of rent I was not earning for 2 years in the US. The rest my parents took on debt for.Assistant: I agree with floxxtoxx, if its a large burden to them I would talk to them about taking over the loan payments they took out for you. It would be better than paying random large sums of money to them. Human: They didnt take out loan payments strictly, my dad just maxed his credit card to pay my tuition. I dont really know how thats supposed to be paid back other than just sending them large amounts of money, since the structure of that isnt clear.Assistant: Then I would talk to them about working out a monthly payment plan. Human: But also find out or calculate how much was spent on tuition payments, and only pay back that amount. Or maybe include a reasonable interest rate, like 5, since its not your fault they used credit cards instead of getting a loan. Make it clear you are only paying back tuition, not giving them say 1k per month forever. Id also try to pay the credit card company directly, instead of giving money to your parents.Also, was there any discussion before you started school about who would be responsible for these payments after graduation?Assistant: No there was nothing, they just told me to not worry about money and that its all taken care of. I was financially dependent on them so what could I do?  <response>: Thats what they said, but they are asking you to worry about it now. 