<prompt> Human: I was a middle class white male B student in high school. Thus, I had to get student loans to go to college. I went to an Engineering school and ended up taking out 80,000 for four years. Mom wanted to help out, so I took out 20,000 in my name and she took out the other 60,000 in a Parent Plus Loan. Well, I graduate. Get a job. Do the right thing, send her money when I can and work to pay off my own loans. Through the debt snowball and a few other techniques, I knock out my 20,000 in about 4 years. Im thinking things are hunky dorey, until Mom sends me an email asking since Ive paid off my loans, can I take over the ones in her name. I think yeah, its probably the right thing to do. It was my education and all. Except, she hadnt told me that for the last several years, shes just been putting them on one deferment after another and now the principal of 60,000 is up to 80, 000 with all the backed up interest on it. Loan company wants 450 a month for the next 15-20 years. Whats the best way to handle this? Can I move them in my name? Can I get a lower rate or lower payment? I mean, I love my mom, but I cant really trust sending her that much every month to pay for these. Even still, 450 a month aint cheap. I do okay, but even Ill feel that after a while. Help.  <response>: So... what did your mother do with the payments that you sent her so far? And by the way, legally you have no obligation to pay these loans. They are called parent plus loans for a reason: the parent takes them out, the parent promises to pay them back. Not the child, thus in this case: not you.Whether or not you want to help your mother with the payments is your choice. 