<prompt> Human: I started college at age 18 and was required to have my mom co-sign on my student loans. Ive been in and out of school for the past 9 years Im 27 now and Im finally going to graduate in May. Ive been giving my mom 700 a month in cash to put towards my loans since I was 21 when I first took a break from school. Now that Im about to finish I would like to take control of my payments but she maintains this claim that she cant turn them over to me because her name is on them. To this day I still dont even know what Ive actually paid on my loans and have no idea how much Im in debt because shes so controlling over the issue. Not only that but I feel like 700 a month is an exorbitant monthly payment considering I only make 36000 a year and pay rent, bills, car insurance etc. Can anyone provide some advice as to the steps I can take to get some control over my finances?  <response>: You can cut your mom out of this pretty easily. You are legally on the loan, so all you need to do is contact the loan servicer and ask for the information on the loans. Set up payments directly through them and stop paying your mom.If she complains, tell her you made arrangements with the student loan servicer to pay them directly. 