<prompt> Human: throwaway for reasonsIve been following personal finance for the past five years and it has improved my life dramatically. I had the emergency fund, I had the 401k, I paid all my credit cards on time and I saved up for a mortgage and paid off my vehicle. Life was finally going in the right direction for me...until this summer. My parents called me over to their house one day and opened up to me about their credit card debts. Im sorry for the sob story but I feel like I really need to get this off my chest as I really dont have anyone else to turn to as sad as that is. Debt in general has always given me anxiety just seeing how it affected my parents growing up my entire life.Anyways, they told me how much credit card debt they had. Over 80k! I did what any good kid would do for their parents and I tell them that I would be willing to help them. I lay out a five year plan for them. I tell them exactly what they would need to do and how they wont have to worry about paying me back. I take out a 5 year 45k loan on my 401k and I give it to them. I forgot to mention they didnt pay the taxes on an inheritance they received the previous year. 13k goes just to the inheritance tax. I took a trip to Europe this past summer and when I arrived home, my brother casually informed me after picking me up from the airport that my parents took an impromptu trip to California. This sends up a red flag because I specifically told them that any big expenditures would have to be approved by me.When I arrive home, the first thing I do is check their Mint account that I setup for them after agreeing to manage their finances. It was one of my conditions to agree with the loan. My heart drops when I see their bank account at zero and all of fucking Las Vegas on their statement. MGM Grand, New York, New York, Excalibur etc.Im nowhere near wealthy enough to suffer this setback. My mother blew my years wages in a weekend in Vegas. Im not proud to admit but I then suffered the worse panic attack Ive had in my life. After I regain my composure, I drive to my parents to confront them. I asked them where the money was and all they could say was that it was gone. I get very heated, tell them Im done and drive home which I dont remember at all. A month later, I hear theyre moving out of the country. Im finally calm enough to go over there and hear out their case. They want me to rent their house out and they would pay me back through through the tenants. I agree like an idiot and they move away. After three months I cant rent out the house since the area I live in is in a massive recession and renting it at a loss would be financially irresponsible. They wouldnt be able to pay me back as well as the mortgage if I lessened it is what it boils down to. Today was the straw that broke my back. Ive been checking their mail since they left and I found out that not only has the mortgage not been paid but my parents were still gambling abroad with the money I sent them before they left.Now that the story is done, heres what Ive got to work with. Normally I take home 1250paycheck. With the 401k loan Im now down to 850 after taxes, effectively culling my wages to 23 for the next 5 years. My mortgage is 1900month. Utilities are 350. My gf contributes 1300mo and a roomate that contributes 450mo. I can cut down on expenses by paying an additional 7500 dollars to my mortgage and that would cut out the PMI private mortgage insurance and lower my mortgage by 210 dollarsmonth. My question is should I keep the house or sell it and take care of my loans? I bought the house at 235k and it appraises at 310k. The house still has 190k left for payoff. Also another question I have is that my dad and I have a shared account. The bank called me today that the account was overdrafted. When my dad added me, it was for transferring rent to him when I still lived with my parents. The bank told me that I was responsible for the negative balance. He was very insistent that I pay even just a small amount. Am I liable for my fathers account even though he added me on it? Im not the primary account holder, I was wondering if he just wanted me to pay just to enter into a contract with the bank.Thanks for letting me vent and I appreciate any advice you guys can give.TL;DR My parents had a great weekend in Vegas that Ill be paying for for the next 5 years of my life.  <response>: they wont have to worry about paying me back.You gave them a gift. Your financial situation should be no worse then if they dutifully used the money as expected. What changed? Did you expect to be repaid or not? 