<prompt> Human: Hi guys,Long time lurker here - and I never thought Id ever write about this topic, but it is what it is.So my father just confessed to my brother I that he has been hiding lying to us about his financial situation. 1 Student Loan. When we both went to college, he told us that he had money saved up for college,and that we just needed to take some portion in student loan. Both my brother and I took stafford they are currently in repayment. However, just last week, he told us that it actually wasnt savings, and that he took out PLUS loan to pay for it... They are as follows Consolidated PLUS - 50k,4.88 PLUS - 30k, 7.25 PLUS - 10k, 7.25 PLUS - 29k, 7.25 PLUS - 32k, 8 PLUS - 33k, 8Of course, while we were not happy about him lying to us about having money to go to college as we both would have picked a cheaper option... again, it is what it is, and we are willing to contribute to the payment... but 185k is more money than either of us have ever touched...2 Credit Card. Due to their spending student loan payments, they were running about 2.6k deficit per month for a while. So it seems like that they have been supplementing with their credit cards. The credit debt comes out to 64k with average interest rate of approx 15. 13k with Discover, 2k with Credit Union, 26k with Chase, 20k with Bank of America, 2k with Capital One.3 Retirement: He just told us that they have saved 0 for the retirement. So we will be relying on his SS 1247mo, moms SS 1345mo moms pension 1991 for their retirement absent their retirement savings that I am not aware of. 4 Pooled Money: We were able to pool funds with our relatives to the tune of little bit over 100k. He immediately wanted to spend it to pay off the credit cards, but we are currently making him wait while we figure out what to do.CURRENT INCOME: They both make 97,000 combined a year on a pre-tax basis. Take home comes out to about 5279mo.EXPENSES: We are currently trying to figure this out. We are sitting with them this week next week to get this sorted. GAME PLAN: So this is where I wanted to ask for your opinions. As far as student loan goes, weve considered consolidating with Sofi, but it seems like consolidated PLUS loans are eligible for income contingent plan - so we think thats the approach we will take to limit the monthly repayment to 20 of their discretionary income I am trying to figure out what the definition of discretionary income is for the purpose of loan payments. For credit cards, he wants to pay off everything with 100k that we collected. But, our preference would be to look for 0 balance transfer cards Chase Slate 15 months, Discover IT 18 months, Citi Simplicity 21 months as much as we can, so that they can actually pay the balance down, without touching 100k as much as possible. Regardless, they will keep 100k, but we just to avoid running into this situation 10 years from now again... with another 60-100k in credit card debt.Any thoughts or advice would be greatly appreciated... thank you all!  <response>: What am I missing here?They have about a 4500month retirement and they are complaining? Thats about 54000year and would not be considered bad income at all for a working couple, let alone a retired one. Plus, if their SS was that high, then that should mean they made pretty decent money when they were working. Where the fuck did that money go? Sell the goddamn boat. Downsize to a smaller house. 