<prompt> Human: I currently have about 17k in loans between Sally Mae and Stafford both types. Im a senior at a state university and need around 25k to cover my living expenses for the year. I was recently approved for 25k in Sally Mae loans, but this is before my FAFSA goes through and I find out what sort of financial aid, scholarships, etc I am eligible for. This is also before I even look at taking out Stafford loans. Recently, I asked my mom if I should pull the trigger on the loans or wait for the FAFSA to process. She recommended that I go ahead and get everything that I can - because she isnt going to be able to help me at all this upcoming year. She then went on to explain how she might also need to use some of the money to help cover my sisters tuitions at private school for the upcoming year. I live in a city with abysmal public schools, so its almost seen as a necessary expense. That being said, it doesnt feel right that I should be taking on debt to pay for my sisters schooling. My mom has spent over 100k on my education since middle school - so it doesnt feel right for me to just turn my back on my family now. Im in software engineering so I know that Ill be able to pay back whatever loans I will end up taking on.My mom even offered to help me pay back the loans - but the problem is neither her nor my stepfather have stable jobs - and I dont see any cash windfalls coming down the line. I need to know how to talk to her and what to say, because I feel like Im letting my family down by not wanting to help out with this situation.  <response>: Theres a financially reasonable middle ground to choose as well. If youre in your final year of college and you expect to begin making money at a decent job in 1-2 years, I would only take out a loan to cover the expenses you have for the last year of college plus a little extra for unexpected costs that come up and then try to help your sister once you know what your income and loan payments are and you have a solid idea of how much money you have available to provide support. This ensures you dont fall into a debt spiral by trying to be good to your family. 