<prompt> Human: Hello all,About five years ago I took out a parent plus loan to pay for my first year of private university after transferring in from a junior college.The loan was for about 40k and covered me first year. Obviously, looking back, I would have gone to a different school but I was younger and an idiot and my parents didnt help by going along with it and being fine with the loan.I knew it was a lot of money so after my first year was done, I offered to transfer out to a state school because I didnt want this loan to become an issue. My parents insisted I stay at the private school and I did.Fast forward about five years, my parents havent paid down any principal of the loan. As I understand it, my dad has only paid the interest.Now, a large chuck of my dads tax return was held back by the Feds to pay for part of this loan. I dont understand how or why it came to that because like I said, as far as I understood he had been paying interest on it.My parents are not financially smart people at all. They take home about 120k a year and we live paycheck to paycheck. In the previous year, I had to give my dad about 10k to pay for our property taxes because they were over due.I know I sound like a brat pissing on my parents financial literacy when I coerced them into a 40k loan but I still cant help but feel so pissed off. It seems like every year since Ive graduated my family has needed a large chuck of money from me and I can never establish myself.Ive been working about two years full time since graduating and still live at home. Ive been feeling depressed lately because of my living situation and this has only worsened it.Sorry for garbage, I mostly just need to vent, but what do you guys suggest I do?Obviously I need to sit down with them and figure out the details of whats going on with my loan but is there anyone versed with these parent plus loans that can offer any advice? I feel dumb because I should know this loan inside out.For the record, I took one parent plus loan that first year of private school. The rest of the way I paid out of pocket or was through my FAFSA loans, which I am paying back now.tldr;parents took parent plus loan they cant affordfive years later want to put it on meunsure of my options  <response>: You didnt take out a loan, they did. You have no legal responsibility to pay the loan, so you will have to decide what is the best thing to do ethically and financially. 